Paying mortgages fees

khanji17

Hi All,
I would like to know what fees can can be added on to the mortgage if any at all. 
Like solicitor fees, stamp duty, estate agent fees etc.
Many Thanks

MovingForwards

None of what you have listed.

Potentially mortgage arrangement fee, but that varies lender to lender.

EA fees are payable by the seller, unless you are buying a property via this silly modern auction method thing.

Edit to add - from your other posts it looks like you are selling and buying (always useful to say), the fees for EA sale property, legal fees for sale property come out of what's left from the sale of your property.

Solicitors fees on purchase (or search fees if solicitors are dealing with sale and purchase) will be payable soon after instructing them, Stampy duty is payable before completion.

khanji17

Really helpful, thanks

grumiofoundation

MovingForwards said:

None of what you have listed. SDLT can 

Potentially mortgage arrangement fee, but that varies lender to lender.

EA fees are payable by the seller, unless you are buying a property via this silly modern auction method thing.

Edit to add - from your other posts it looks like you are selling and buying (always useful to say), the fees for EA sale property, legal fees for sale property come out of what's left from the sale of your property.

Solicitors fees on purchase (or search fees if solicitors are dealing with sale and purchase) will be payable soon after instructing them, Stampy duty is payable before completion. No it isn’t

It is possible to add stamp duty to mortgage (obviously increases debt and will impact LTV). 

You have to pay stamp duty within 14 days after completion. 

https://www.gov.uk/stamp-duty-land-tax

getmore4less

The way you add them is by using a smaller deposit.

davidmcn

grumiofoundation said:

MovingForwards said:

None of what you have listed. SDLT can 

Potentially mortgage arrangement fee, but that varies lender to lender.

EA fees are payable by the seller, unless you are buying a property via this silly modern auction method thing.

Edit to add - from your other posts it looks like you are selling and buying (always useful to say), the fees for EA sale property, legal fees for sale property come out of what's left from the sale of your property.

Solicitors fees on purchase (or search fees if solicitors are dealing with sale and purchase) will be payable soon after instructing them, Stampy duty is payable before completion. No it isn’t

You have to pay stamp duty within 14 days after completion. 

If you're buying with a mortgage then the solicitor will need the funds on completion.

amnblog

You cannot add any fees to your borrowing without affecting loan to value (apart from Lender's product or booking fee with some Lender's).
This is the case with, valuation fees, solicitors fees, brokers fees, stamp duty land tax.