Can I add a separate but related point:
Word of warning
If you have a First Active Current Account mortgage, the bank cards have to be handed back in for 30 days before they will even give a redemption figure. In a way, this is understandable, as all sums spent by you on your current account overdraft are secured by your mortgage. Only when your account is fully inactive, and all recent transactions processed, can they tell your solicitor what the redemption figure is.
Moderators: It might be worth making this a key post. Many solicitors have acted in drawing down Current Account mortgages, but the redemption of a current account mortgage is relatively new territory, and most solicitors would still be unaware of this '30-day' problem. Certainly it came as news to me.