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The mortgage loan.


Annual Percentage Rate. This is the rate of charge on a loan calculated to a set formula. It includes not just the rate of interest, but also associated costs. It was introduced to provide a meaningful comparison of rates charged by different lenders. You may see this expressed as "The overall cost for comparison is x.y% APR".

Arrangement fee

This is normally charged by the lenders for arranging a mortgage loan.


Accident, Sickness and Unemployment. This is an insurance policy designed to provide a regular income for a specified period, should the borrower become unemployed or be unable to work due to an accident or sickness resulting in a loss of earnings.

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