| Glossary of Terms A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z |
| Higher Lending Charge | The Higher Lending Charge refers to a single fee charged by mortgage lenders. The fee covers a single premium insurancepolicy that covers the lender if the property has to be repossessed and sold. This is only usually enforced when borrowing is above 75 per cent LTV – this is the benefit bestowed by a HLC. |
| Home Buyers Report | Home Buyers Reports refer to detailed property valuations. These are neither a mortgage valuation nor a structural survey, but can allow the borrower to negotiate on price. |
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