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Some lenders might charge you to make an application, but we don't.

This might also be referred to as a booking fee.

This isn't to be confused with a product fee.

This is the interest rate which lenders set their rates for lending and savings products. It's usually based on the Base Rate set by the Bank of England, ours is called the 'Royal Bank Base Rate'.

For Mortgages, this is the interest rate which Variable and Tracker Mortgages are based on.

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This is charged on some mortgages as part of the deal. It can be paid up-front or added to the total mortgage amount. If you add it to your mortgage, you’ll pay interest on it at the same rate as the rest of your borrowing. It might be a flat fee, or a percentage of the loan amount.

Other lenders might refer to this as an 'Arrangement fee'.