C is for...

Capital Repayment or Interest Only?
With a repayment mortgage, your monthly repayments pay your monthly interest bill plus an extra amount which chips away at your debt. With an interest-only mortgage, you pay only the interest bill and must make your own arrangements to pay off your debt at the end.

Cashback
With a cashback mortgage, you receive an upfront 'gift' (of up to 10% of your loan) in return for being tied into a higher mortgage rate for, say, 10 years.

Conveyancing or legal fees
The fees paid to your solicitor or conveyancer for doing the necessary legal work to buy or sell your home. Can add £1,000+ to your purchase cost.

D is for...

Daily Interest
Some lenders take your repayments each month, but only subtract them from your debt at the end of the year. It's far better to have daily interest, where each repayment reduces your loan as soon as it hits your account.

Deeds release, exit, sealing or discharge fee
A charge paid to your mortgage lender when you pay off your mortgage. Fifteen years ago, this would have been about £50; nowadays, some lenders can charge you £300+.

Deposit
This is what you need to save in order to own a stake in your home. Even a 5% deposit (a 20th of the purchase price) will give you access to better mortgage interest rates. No-deposit (100%) mortgages are riskier and are more expensive.