Mortgage costs and arrangements

ChargeHater!

Hi,

Just wondering if this is normal - I have been granted a mortgage from woolwih- they are charging 1500 for the arrangement fee and a further 500 for the survey- is it normal to charge the applicant for their survey?

Thanks

A

maninthestreet

Yes it is - what type of survey are you getting for your £500?

Thrugelmir

maninthestreet wrote: »

Yes it is - what type of survey are you getting for your £500?

There are different levels of survey, some of which may be more applicable depending on the property you are intending to purchase.

ChargeHater!

Hi,

I didn't expect someone to pay the fee for me- I just assumed that it would all come under the fee quoted to you oroginally.

I didn't know I would offend anyone by asking a simple query on the breakdown of a charge.

And to answer the first question- yes- I do hate charges - bank charges that have been found to be unlawful.

How's about Conrad & Opinions4U- if you have nothing good to say don;t share it

Thanks for the others for their helpful comments

Cheers

picardygirl

ChargeHater! wrote: »

Hi,

Just wondering if this is normal - I have been granted a mortgage from woolwih- they are charging 1500 for the arrangement fee and a further 500 for the survey- is it normal to charge the applicant for their survey?

Thanks

A

Arrangement fees dont include surveys, as different people want different surveys ..... valuation suvey, homebuyers or building/structural survey which all vary in cost. Therefore the arrangement fee couldnt include a survey fee - and i've also known it to be "normal" for the applicant to be charged a survey fee.

Hope your mortgage application goes ok !

opinions4u

ChargeHater! wrote: »

I didn't expect someone to pay the fee for me- I just assumed that it would all come under the fee quoted to you oroginally.

You quote two fees. One for arranging the mortgage and one for valuing the property. Different things.

How's about Conrad & Opinions4U- if you have nothing good to say don;t share it

I explained how some lenders market "free valuations" and I explained that somebody has to pay the valuation fee from somewhere. You surely realise that you don't get something for nothing? If not, I'm glad to have enlightened you.

Do you realise that you will also have to pay the lender's legal costs on top of these fees?

Did they tell you that the £1,500 doesn't cover the interest?

These things aren't "good" but they are fact.

If you don't like answers that draw your attention to reality, don't post.

ChargeHater!

I think you will aslo find I didn't ask for the full breakdown on the costs of a house- but if you want to rant for longer than do.

God you are an angry little man- I think you shoudl spend your time more constructively than posting rants on forums.

cheers- I won't be checking up on your reply- but enjoy posting if it gets somethign off your chest.

I've reported your behaviour.

Thrugelmir

ChargeHater! wrote: »

Hi,

I didn't expect someone to pay the fee for me- I just assumed that it would all come under the fee quoted to you oroginally.

I didn't know I would offend anyone by asking a simple query on the breakdown of a charge.

And to answer the first question- yes- I do hate charges - bank charges that have been found to be unlawful.

How's about Conrad & Opinions4U- if you have nothing good to say don;t share it

Thanks for the others for their helpful comments

Cheers

So who should bear the cost of providing services to people who go overdrawn?

Would you prefer to pay a fixed monthly account fee or have free banking?

beecher

ChargeHater! wrote: »

I think you will aslo find I didn't ask for the full breakdown on the costs of a house- but if you want to rant for longer than do.

God you are an angry little man- I think you shoudl spend your time more constructively than posting rants on forums.

cheers- I won't be checking up on your reply- but enjoy posting if it gets somethign off your chest.

I've reported your behaviour.

ChargeHater, you are the one ranting. Obviously buying a property is a stressful time, but taking your stress out on people who are giving you information is a waste of time. There's absolutely nothing in opinions4u's post which is offensive or abusive - your own comments are closer to being offensive.

ChargeHater!

Hi Thrugelmir,

An unlawful amount that does not reflect the amount the overdraft costs is what i haeva rpblem with - and what the owner of this site is lobbying against.

I have no problem with charges which are fair and reflect the true cost of services.

Thanks

A

Thrugelmir

opinions4u wrote: »

:T

Superb!

Some people don't really want to listen. :rolleyes: