King ,So you're saying to get your properties valued before you...

King ,

So you're saying to get your properties valued before you go to a lender ?

What happens if the lender disagrees with the valuation ?

Won't the lender want to do their own valuations as well ?

It sound like cc is a problem when you're trying to maximise your borrowing i.e. borrowing more than 80% and indeed borrowing as much as you can get . I can understand some people would need that type of facility .

Example: 5 properties all with separate mortgages , so 5 lots of fees vs 5 properties with 1 loan , therefore 1 set of fees.

As far as adding discharge fees to your loan , that's just adding to your costs I would've thought ?

Totally agree with an offset account . Gets much better return for your cash float .