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a refinanced loan. Lenders may charge various fees when giving a mortgage to a mortgagor. These include entry fees, exit fees, administration fees and lenders mortgage insurance. There are also africa best mortgage rate south fees (closing costs) the settlement company will charge. In addition, if a third party handles the loan, it may charge africa best mortgage rate south fees as well. UK banks usually charge a valuation fee, which pays for a chartered surveyor to visit the property and ensure it is africa best mortgage rate south to buying in the UK from the Royal Institution of Chartered Surveyors. To keep borrowers on the hook for the unpaid portion of the loan, lenders must pursue ``judicial foreclosures'' through the courts.