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5. Direct Debits

7 hidden costs of switching mortgages

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Wayne from The Investors Club shares Nike Legging Men

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application to check your current valuation is on track.

One of the biggest difficulties in switching lenders is managing direct debits. If not done well, you could be Nike Jogger Pants

When you break a fixed term loan, your financial institution will charge you for not fulfilling the agreed terms. The amount you pay will vary according to the interest rate your fixed loan was secured under, the current interest rate and the duration of your loan. Charges can often run in the thousands if poorly managed.

When switching financial institutions, a new lender may require a new property valuation. If your new valuation is lower than planned, you may be required to pay mortgage insurance. To sidestep this situation, your new property valuation must be higher than 80 per cent of the loan amount. If not, you could potentially be adding 2 per cent to the cost of your loan. Ask your broker for an upfront valuation, before proceeding with your refinancing Nike Sportswear Bonded

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seven key areas where hidden fees and additional costs are likely.

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4. Break Costs on Fixed Rate Loans

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hit for "over the limit" and cheque dishonour fees. It's also often time consuming to not only change your main account and mortgage, but also update details with other institutions that access your accounts for regular payments. The good news is the government has new legislation coming into effect in July 2012, which should make this process simpler.

Your new mortgage will incur application fees and mortgage registration fees, which you need to take into account. Application fees typically range from $400 to $750 and mortgage registration varies per state, starting at $100 to $140.

2. Deferred Establishment (Exit) Fees

Although from 1 July 2011, deferred establishment or exit fees are no longer applied to new loans, non banks can still charge them on older products for the first five years of the loan. Make sure you check your loan documents or call your lender to confirm if fees are payable. The amount payable varies according to the total loan amount and how long you have held the loan.

Don't confuse these with exit fees. Check your loan agreement to see Nike T Shirt For Girls if your lender charges a discharge fee. This could be up to $500. With government charges, expect to pay around $1,000 in total. Although they are not as willing as a few months ago to negotiate fees, it's still worth talking to your lender to look for cost reductions when discharging your mortgage.

6. New Application Fees

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3. Mortgage Discharge Fees

With the official interest rate lowered in two consecutive months, borrowers are likely to be considering reassessing the terms of their loans with the possibility of switching financial institutions.

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