I took a commercial mortgage with them for 750k which took forever to get agreed but nevertheless it got done eventually. My interest rate is some 5.5% which is high but that's just how it goes sometimes. After 4 years passing and with no warning, I receive an email out of the blue. They want to instruct a surveyor to re value my properties for a sum of £3-£4k that I have to pay for. Why??? If the Loan To Value was acceptable 4 years ago, then surely now that the outstanding balance being circa £660k means its even better? And a commercial bank should have enough commercial understanding to know that if anything the value of the properties have increased which in turn makes the LTV even better! Why do I have to pay for a surveying company who probably has the survey pre-printed and will just put my name at the beginning of the report and the value at the end of the report to tell them so? Its ridiculous, unnecessary, and very annoying. I will move my mortgage elsewhere as soon as possible for sure.