RIO

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Across
  1. 1. – Financial watchdog, initials only (3).
  2. 6. – Lowering funds like a bucket, sounds like “drawn down” (8).
  3. 7. – Initial payment, anagram of “is opted” (7).
  4. 10. – Inspection, sounds like “serve A” (6).
  5. 12. – Charge for leaving early, “fee” after “exit” (7).
  6. 14. – Time off? Rearrange “merit rent” for this stage of life (10).
  7. 15. – Middleman, hidden in “labroke road” (6).
  8. 16. – Court ruling that can block your mortgage (3).
  9. 17. – Security for a home loan, or “go term” scrambled (8).
  10. 18. – Mortgage type excluding capital repayment (2).
  11. 19. – Assessment of worth, an anagram of “a vital noun” (9).
  12. 20. – Fairness or home value, quietly included in “frequently” (6).
  13. 21. – Annual cost of borrowing, initials only (3).
  14. 22. – Switching products without moving lender (2).
  15. 24. – Income after work ends, hidden in “open sign” (7).
  16. 26. – Provider of funds, hidden in “splendid era” (6).
  17. 28. – Initial nod from lender, short form (3).
  18. 29. – Document outlining costs, initials only (3).
  19. 30. – Ratio of loan to value, three letters (3).
Down
  1. 2. – Legal promise, covertly in “cover nature” (8).
  2. 3. – Stable interest, rearrange “taxed fire” (9).
  3. 4. – Risk assessment grid, three letters (3).
  4. 5. – Ability to move your deal, “port” + “ability” combined (11).
  5. 8. – Charge for borrowing, or what you might have in a hobby (8).
  6. 9. – Rate that moves with the market, three letters (3).
  7. 11. – Risk check before approval, hidden in “founder writing” (12).
  8. 13. – Penalty for breaking early, initials only (3).
  9. 14. – Rules, an anagram of “a true login” (10).
  10. 20. – European disclosure sheet, four letters (4).
  11. 23. – Index tracking property values, three letters (3).
  12. 25. – Qualification, “legibility” twisted with an extra “i” (11).
  13. 27. – Mortgage acronym for retirees (3).