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A charge levied by the lender to ensure it can get its money back should your property be repossessed and be sent to auction. The Higher lending charge is effectively an insurance for the lender which covers any shortfall between the amount gained at auction and the loan amount. Also known as a mortgage indemnity guarantee.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.