Never sign anything without having these documents in his possession. They are the main expenses taken into account in a debt refinancing: an appraisal of the House that we are going to be mortgaged. Cancellation of the previous mortgage loan fees (you pay the cancellation fee more notary and gestoria costs) and the commissions of cancellation of personal loans and other debts. The formation expenses of the new mortgage that reunified all debts; they are the same expenses than in a normal mortgage, what must be taken into account that the Commission of opening many times exceeds 1%. The financial intermediary fees: If you are not hired directly and is processed by a professional, who should be required to comply scrupulously with the law 2/2009 (in PDF). There is a legal limit, but above 5% consider that they are unacceptable.
You can and should negotiate this expenditure with the intermediary before delivering the documentation, and they must deliver them to us in writing. With the Bank or with an intermediary? Some companies like Ausbanc banking customer advisory condemn the middleman (improperly called reunification company), but the truth is that even the law itself recognizes its utility: can be useful to the consumers who decide to contract these services to enable a more efficient search of credits and loans available in the market, at the time that these entities allow consumers to gain power bargaining against lendersbeing able to access better conditions on loans that are engaged. In my view a client may go directly to the Bank without any problems when you have time, financial knowledge and ability to negotiate this type of operations with financial institutions. In another case, should assess the usefulness of leave all the paperwork to an expert independent, always bearing in mind that it complies scrupulously with annotated legislation and negotiate fees wherever feasible.