Answers · UK 2025/26
What fees do I pay when getting a UK mortgage?
Typical UK mortgage fees on a £250k purchase: arrangement fee £0-£2,000, valuation £200-£600 (often free), legal £1,200-£2,000, broker £0-£995, plus Stamp Duty. Total non-SDLT fees typically £1,500-£5,000.
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UK mortgage purchase fees breakdown 2025/26. Arrangement / product fee: £0-£2,000 (often £999 or £1,999). Can be added to mortgage but incurs interest. Valuation fee: £200-£600 (often free on remortgage / some purchases). CHAPS funds transfer: £25-£50. Stamp Duty: £0 to 12%+ depending on price and FTB status. Legal / conveyancing: £1,200-£2,000 standard; more for leasehold/Shared Ownership. Search fees: £300-£500. Surveys: HomeBuyer £400-£900, Building Survey £600-£1,500 (separate from lender valuation). Broker fee: £0-£995 (most paid by lender commission). Buildings insurance from exchange: £150-£500/year. Example £250k FTB: SDLT £0, legal £1,400, survey £600, arrangement £999 = ~£3,000 above deposit + SDLT. Budget 1.5-2.5% of property price.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.