Mortgages
Are mortgage arrangement fees worth paying?
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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.
Last reviewed:
Reviewed by Kaiser Khan
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.
Primary source: fca.org.uk/consumers/mortgages
Part of our Mortgages & first homes
This quick answer sits inside our wider mortgages & first homes hub — with sub-guides, calculators and step-by-step explainers on the same topic.
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