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I' m in the midst of the recruitment procedure right now. In fact, the creditor sent a solicitor to me according to my timetable to complete the claim documents. Remember that these creditors do not jump on this scheme to be "nice", they will receive the cash from you in the shape of interest on your 30- or 15-year-grant.
You can also increase the interest rates quoted to meet the cost of closure if you cannot afford it out of your pockets (there will be closure costs), so keep that in mind. Additionally, the creditor will likely be selling the credit to another institution and making some cash this way, I guess.
Mir was advised that you should seriously consider a funding proposal that would lower your interest rates by at least 1%. I was currently offered 1.5% less than what I completed, which is why I sent in my job description. We will see how high the real interest will be if they are rolling the acquisition cost into the credit.
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