# Are mortgage arrangement fees worth paying?

> Quick answer · Last updated 5 July 2026

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## In short

High fees suit large loans where a lower rate saves more than the fee; small mortgages often beat fee-free higher-rate products.

Add the fee to the borrowed amount or pay upfront — both affect true cost.

Free valuation and legals on remortgage reduce switching costs.

Cashback deals need net cost comparison over the fix period.

See compare mortgage deals guide.

## Related

- [Compare mortgage deals](https://moneyguide.org.uk/mortgages/compare-mortgage-deals-guide/)
- [Remortgage guide](https://moneyguide.org.uk/mortgages/remortgage-guide/)

## Primary source

fca.org.uk/consumers/mortgages

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.