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A way of expressing the total true cost to the borrower of his loan is called 'Total charge for credit'. the total charges include all interest payable, arrangement, redemption, administrative fees, valuation, solicitors' fees, MIG premiums, other insurance premiums if there is no choice of insurer, and any other charges that relate directly to the mortgage loan.
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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.