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higher lending charge
First time buyers could be better off putting down smaller deposits on a property because of an anomaly in the higher lending charge (HLC) system, according to Fool.co.uk.
The number of first time buyers opting for 100% mortgages has more than doubled over the past year, according to the Mortgage Advice Bureau (MAB).
Mortgage consumers have paid over £1bn in unnecessary higher lending charges over the last five years, according to Nationwide Building Society.
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