The higher lending charge
Some lenders may ask for an additional fee from those wanting to borrow a high percentage of a property's value, in order to cover the higher risk that they may not get all their money back should something go wrong.
In practice it is just one more factor in the mix – some companies will market a low rate but have a high higher lending charge (HLC), while another will promote the fact that they have no HLC but may charge a higher rate.
A mortgage adviser's job is to identify the best overall package for you, and HLCs are just part of that process.
A mortgage is secured on your home, your property may be repossessed if you do not keep up repayments on your mortgage.