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Sealing fee
A charge made by lenders when you repay the mortgage. 

Searches
Checks carried out during the conveyance phase. These checks are made with local authorities and other official organisations to check planning proposals and other matters that may affect the value of the property, and if it can be sold in the future. 

Self-certified
You confirm how much you earn, and the lender does not need any references. 

Settlement
In Scotland, this is the same as completion. 

Sole agent
A single estate agent agrees to sell the property.

Solicitor
The person who deals with the conveyancing. 

Stamp duty
A tax you pay on properties which cost over the current amount. 

Structural survey
This is the most wide-ranging check of the outside and inside of a property. This is carried out by a professional surveyor, and it should pick up all but the most hidden faults. The structural survey is optional and you must pay the bill, but it provides the greatest protection for the potential buyer in terms of the information it provides. It also gives you cover against negligence by the surveyor. 

Sum assured
How much the life assurance or investment company guarantees to pay you, if you have an endowment policy and you die. This figure may be less than the mortgage amount unless the policy is specifically designed to match the mortgage amount. 

SVR
Standard variable rate. The interest rate the lender charges goes up and down, with your interest payments changing accordingly. 

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Unless stated all loan and mortgage products are intended for people living in the United Kingdom. Specifically: UK non status mortgages, UK commercial mortgages, UK buy to let mortgages, UK remortgages, UK residential mortgages, UK self build mortgages and UK home owner loans.