Q My partner and I borrowed £172,000 on a 100% 18 months ago, and since then our flat has increased in value to approximately £195,000. We are looking to move to a property that would cost around £300,000, but only have equity of around ... For this amount, the lender may charge you between $3,000 and $6,000. However, some lenders may offer zero points at a higher interest rate, which may significantly reduce your initial costs, although your payments may be somewhat higher.
