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Questions to ask a lender before taking a mortgage

So, you have found a mortgage you like the look of. The next thing you need to do before making an application is to make sure that you really are getting the right deal for you and your circumstances.

These are the sort of questions you need to ask a mortgage lender before you apply:

How much are your administration fees? Admin fees are costs associated with your mortgage application that you will need to pay, for example, an application fee. These fees vary from provider to provider, and some will waive them as part of a deal, so don’t pay out more than you need to
How much is the valuation cost? This is the cost of having your potential new home valued. The mortgage company instructs a surveyor to go out and value the house to ensure that it is worth the mortgage amount
What will my monthly repayment be? Ensure that you really will be able to make the mortgage repayments comfortably
Is there any flexibility in the mortgage payments? Some mortgage companies offer repayment holidays, or allow you to make an early repayment without charging you any financial penalties. Am I able to make an increasing repayment so that I can reduce the amount of interest charged? Or a lump sum repayment, without incurring any financial penalties?

A mortgage is big financial commitment, so it is important that you take out the time to ensure that you get the right deal for you

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