Fee Comparison Calculator

Main mortgage fees include arrangement fees (£0-£2,000+), valuation fees (£150-£1,500), booking/application fees (£99-£500), legal fees, and broker fees. Some lenders offer fee-free mortgages but may have higher interest rates.

It depends on your loan amount and term. For larger mortgages and longer terms, paying higher upfront fees for lower rates often saves money overall. Use a total cost comparison including fees and interest over your intended period.

Yes, most lenders allow you to add arrangement and other fees to your mortgage loan. This means you'll pay interest on the fees over the mortgage term, so calculate whether it's better to pay upfront or finance them.

Some avoidable fees include broker fees (use direct lenders), unnecessary insurance products, and higher-tier valuations. Shop around for legal services and consider fee-free mortgage options if the rate is competitive.

Booking fees are usually paid on application, valuation fees when the survey is booked, and arrangement fees at completion. Legal fees are paid to your solicitor at completion. Some fees can be added to the loan amount.