Tariff of Mortgage Charges

With effect from 1 January 2010

This leaflet sets out the Society's Tariff of Mortgage Charges which apply to services, administration or charges to our mortgage accounts

Mortgage Service Charges	Cost
Access to data (Data Protection Act)	£10
Adding or Removing borrower(s)	£125
Agreement to alterations to mortgaged property	No charge
Agreement to commercial lease	£70
Agreement to part release of property or security	£60
Agreement to Rights of Way or Easements	£40
Agreement to residential tenancy	£50
Agreement to other legal documents	min. £40
Annual mortgage statement Duplicate annual mortgage statement	No charge each £25
Certificate of loan interest Duplicate certificate of loan interest	No charge each £20
Change of Name on Mortgage by Marriage or Deed Poll	No charge
Change of Mortgage Product	£60
Change from Interest-Only to Repayment Mortgage	£60
Change from Repayment to Interest-Only Mortgage	£60
Change of Mortgage Term	£40
Cheque special clearance	£20
Consent to registration of a Second or Subsequent Charge	£25
Existing lender's reference	£50
Redemption quotations. First request Subsequent requests within 2 months of first request	No charge each £20
Reinspection of property	£75
Revaluation of property	£100
Second mortgage questionnaire	£75
Telegraphic transfer fee (CHAPS fee)	£25

Third Party Charges	Cost
Land Registry Fee on Redemption	Variable
Court charges applied in possession hearings	Variable

Deeds Charges	Cost
Copies of extracts from Title Deeds	£15
Deeds of Postponement	from £40
Despatch of Title Deeds	£25
Land Registry Search	from £2
Reassignment of Life Policy	£40
Mortgage Exit Fee/Sealing Fee/Administration Fee on redemption of mortgage	£150

Charges payable in the event of any breach of the mortgage terms and conditions

1. Credit/Arrears Charges	Cost
Arrears/counselling visit to property	up to £125
Arrears letter charge	£15
Cheques returned unpaid	£10
Direct Debit rejected	£10
Payment of leasehold property charges if requested by Landlord	£25
Referral to arrears collections department	£100
Standing Order payment recalled	£10
Unauthorised occupancy of property	£60*

* In addition to this charge, the Society's Commercial Mortgage Interest Rate may be charged from the first date of unauthorised occupancy

2.Costs associated with possession of property	Cost
Preparation of particulars of claim, witness statement	£195
Court fee. Mortgage Possession summons.	£150
Miscellaneous search costs and court fees	up to £100
Reply to defence/special witness statement	£50
Adjournment, reinstatement or review hearings	£120
Solicitor agents court attendance fees	Variable
Application for, or re-issue of, possession warrant	£50
Court fee - for possession warrant	£50
Suspension of warrant of possession	£60

These charges may be subject to change if HM Court Services increases its Court fees. You will be informed in advance of any increased fees.

For charges on properties in possession see our separate Tariff of Mortgage Charges Relating to Properties in Possession, which is available on request.

Offset Savings Account: Non-transactional Charges	Cost
Access to data (Data Protection Act)	£10
Cheque receipt returned unpaid	£10
Duplicate account statement	£5
Lost passbook	£10
Request for a copy cheque	£10
Standing order payment recalled	£10
Stopping a cheque	£10
Telegraphic transfer of funds from account (CHAPS fee)	£25

Please note:

1. Other charges may be made for other services used in connection with your mortgage account. If you request a service which is not listed above, you will be advised of the charge applicable.

2. For Consumer Credit Act loans, any charges are placed on the main mortgage account.

3. If there are changes to any of these charges you will be sent a new Tariff one month before the changes take effect.