Fees and charges

There can be costs associated with your mortgage and we recommend that you read through and fully understand the fees and charges associated with your mortgage.

Should you need any help, our customer support team will be on hand to answer any of your questions.

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our valuation fees

The mortgage valuation is to assess whether or not the property you want to buy provides enough security to the Society for your mortgage. To get this information we may ask our valuer to visit the property and produce a report.

The cost of the valuation depends on the purchase price of the property. The following scales of fees apply.

Purchase Price*/ Valuation

Standard Valuation Fee (£)

Homebuyers/ Scheme 2 (£)

Up to £100,000



Up to £200,000



Up to £300,000



Up to £400,000



Up to £500,000



Up to £600,000



Up to £700,000



Up to £800,000



Up to £900,000



Up to £1,000,000



Up to £1,500,000



Up to £2,000,000




125 **


Further Advance Reinspections 70 ***  

* The fee charged is normally based on the purchase price of the property at the time of the inspection.  If the price you are paying is preferential, or it is not known at the time of inspection, we will charge the fee based upon the valuation figure.

** Where a loan is made on condition that the property is completed or that certain work is done, a reinspection is necessary and the appropriate fee will be charged.

*** When taking additional borrowing on your current mortgage with us and where the total borrowing is over 60% LTV.

As the standard valuation is only for our use, you may also choose to arrange your own homebuyers report and valuation or a full building survey.

Homebuyers report and valuation

You may want to instruct an independent surveyor to carry out a more detailed report on particular points about the property. The report is mainly for your information but we will ask the valuer to complete our mortgage valuation. There may be an additional charge for this. If you ask us to arrange a homebuyers report and valuation on your behalf, the costs are as detailed in the homebuyers/ scheme 2 column.

Building Survey

You could choose a full building survey if the property you are buying is very old, if it is not built from traditional bricks or stone, or if it is built in a complex or unusual way.  The cost of this type of survey can be quite high as a result of the amount of time spent preparing it. You will also have to pay for any specialist reports which are recommended in the survey.  However if they uncover any serious problems, it could actually save you money to find out before you are committed to buying the property.

You will have to find an independent surveyor to carry out this survey for you.

Support & Tools

Here you can pay your mortgage related fees online.

Pay application fees online