Higher Lending Charge (HLC) paid twice in one year

Scottrobson

Halifax charge a higher lending charge for a mortgage over 95%, I had taken a mortgage out and paid this and then when we came to move within a year we had to pay it again because we could only afford a 3% deposit, so in one year i paid £1116 twice totaling £2232 for a higher lending charge.

So i paid all this just to take myself to court if i screwed up my mortgage, can i claim any of this back as i have not faultered once with my mortgage

MortgageMamma

I don't see why you should be able to pay this back it is a legitimate charge, and nobody forced you to move house did they?

dmg24

Am with MortgageMamma on this one, why should you be able to claim it back?!

Scottrobson

It was an enquiry to see if Halifax Bank/Mortgage could do this, i do feel its unfair to charge someone for just moving thier mortgage to another house 8 months later. I do agree with the 1st payment, but when we moved our mortgage actually went down a little. I stayed with the Halifax and remained a loyal customer, but i had to pay the charge again.

As to reply whether anyone forced me to move, the answer to that would be No-in relation to banks or work but Yes as family life dictated this and we couldn't live in a 1 bedroom bungalow and needed to move to a 2/3 bedroom house.

Scott

Afraid you wouldn't be able to claim these back, no.