UK Mortgage Application Fees Calculator
Calculate all UK mortgage fees — arrangement, booking, valuation, broker, and account fees. Compare the true cost of paying fees upfront versus adding them to your loan. Includes deal-period true cost comparison across two competing products. All figures in GBP.
UK mortgages can carry up to seven distinct fees. Understanding each type — and whether it is refundable — helps you avoid surprises and compare true costs between lenders.
| Fee Type | Typical Range | Refundable? | Notes |
|---|---|---|---|
| Arrangement / Product Fee | £0 – £1,999 | Partially (booking portion often non-refundable) | Largest single fee — can usually be added to mortgage |
| Booking / Reservation Fee | £99 – £250 | No — non-refundable | Paid upfront to reserve the rate, lost if you do not proceed |
| Valuation Fee | £150 – £1,500 | No | Depends on property value — some lenders offer free standard valuation |
| Broker / Adviser Fee | £0 – £1,000 | Varies by broker | Many brokers are fee-free, paid by lender procuration fee |
| Mortgage Account Fee | £100 – £300 | No | Sometimes charged on completion, sometimes on redemption |
| Telegraphic Transfer Fee | £20 – £50 | No | For sending funds to solicitor on completion |
| Survey (full structural) | £600 – £1,500 | No | Optional but recommended — not included in lender valuation |
The true cost comparison over your deal period is the only reliable way to compare two mortgage products. A lower rate with high fees can cost more than a higher rate with low fees — or vice versa. Enter both options to find out.
Fees: £1,999
Total over 2yr: repayments + fees
Fees: £0
Total over 2yr: repayments + fees
How to Use This UK Mortgage Application Fees Calculator
Enter the mortgage amount and each fee type you have been quoted. The calculator totals your upfront costs, shows fees as a percentage of the loan, and — in the Advanced tier — calculates the true extra cost of adding the arrangement fee to the loan versus paying it upfront.
Fees to Gather Before You Apply
- Arrangement / product fee: The largest single fee, typically £0 to £1,999 — check if it is included in the rate or charged separately
- Booking / reservation fee: Usually £99–£250, almost always non-refundable — paid to lock in the rate
- Valuation fee: Lender-required assessment of the property value — many lenders offer this free
- Broker fee: If using a fee-charging broker — many whole-of-market brokers are free to you (paid by lender)
- Mortgage account fee: Some lenders charge £100–£300 on completion or when you pay off the mortgage
Use the Pro tier True Cost Comparison to compare a low-rate high-fee product against a higher-rate fee-free alternative — the right choice depends entirely on your loan size and deal period.
The Formula
Fees as % of Loan = Total Fees ÷ Mortgage Amount × 100
Extra Interest if Fee Added to Loan:
Interest on (Mortgage + Fee) − Interest on Mortgage alone
= [(Mortgage + Fee) × r × (1+r)^n / ((1+r)^n − 1) × n×12]
− [Mortgage × r × (1+r)^n / ((1+r)^n − 1) × n×12]
where r = monthly rate, n = months
True Deal Cost (for comparison):
= (Monthly Payment × Deal Months) + Total Fees
The true cost comparison over the deal period is the most practical metric. On a 2-year fix with a £999 arrangement fee, you are effectively spreading that fee over 24 months — but on a small loan, the monthly rate difference between a high-fee low-rate and a fee-free higher-rate product may not be enough to offset the fee. Use the Pro tier to compare both options for your specific loan size.
Example
James — Comparing Two Mortgage Products on £220,000 Loan
James is choosing between two 2-year fixed rate mortgages.
| Product A | Product B | |
| Interest Rate | 4.09% | 4.49% |
| Arrangement Fee | £999 | £0 |
| Valuation Fee | £350 | £0 (free) |
| Total Fees | £1,349 | £0 |
| Monthly Repayment (25yr term) | £1,168 | £1,208 |
| Monthly Saving vs Product B | £40 | — |
| 2-Year Repayments | £28,032 | £28,992 |
| Total Deal Cost (repayments + fees) | £29,381 | £28,992 |
| Cheaper Over 2 Years | Product B by £389 | |
Despite its higher rate, Product B is cheaper because the £40/month saving on Product A is not enough to offset £1,349 in fees within 2 years. James saves £389 by choosing the fee-free product. The break-even point where Product A becomes cheaper is after approximately 34 months.