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House buyers in the UK are paying £140 million in unnecessary higher lending charges, according to research by Nationwide Building Society.Purchasers who borrow more than 90 per cent of the value of their property are typically hit by a higher lending charge - formerly know as a mortgage indemnity guarantee.

The charge is designed to cover the lender in case the borrower defaults on their loan.But Nationwide says the affect of a higher lending charge is to penalise the very people who are already struggling to raise a deposit and meet legal and other costs involved in moving such as stamp duty.The building society estimates that around 50,000 first time buyers were affected by higher lending charges in 2004, in addition to another 44,000 existing homeowners.Nationwide executive director, Stuart Bernau said: “Borrowers need to beware of higher lending charges and should ask if such a charge would apply to them. Some lenders are penalising the very borrowers who can least afford it.

“More and more first time buyers are struggling to raise the deposit to buy their homes - another cost of around £1,500 is the last thing they need. Prospective borrowers should shop around for their mortgage and always ask the question: ‘Will I be paying a higher lending charge?’. If they come to Nationwide, they can be confident the answer will be no.”

People looking to remortgage their house are increasingly turning their backs on shorter deals and focusing on five-year deals.Two-year discounted variable rate deals have continued to continue to fall, while by contrast, five-year fixed rates are getting more attractive.Your Move’s April Remortgage Index shows there are improved money savings resulting from a switch to the current Best Buy five-year fixed rate.

“Five-year fixed rate deals are getting more and more attractive for people remortgaging relative to shorter term deals,” explained remortgage analyst at Your Move, Jon Round.”Lenders have noticed that business has been slacker in recent weeks and the election certainly had an effect. “Voting for a government always depresses activity in the housing market and 2005 is no different,” he added.

Your Move’s index revealed that first year savings achieved by switching to the Best Buy five-year fixed rate are now £1290.This figure is up 6.6 per cent from a month ago and 5.4 times higher than 12 months ago (£240).