Answers · UK 2025/26

What are the fees for remortgaging in the UK?

Typical UK remortgage costs: arrangement/product fee £0-£2,000 (often £999); valuation fee £0-£500 (many lenders offer free); legal fees £200-£800 (many offer free legal); Early Repayment Charge if leaving current deal early (1-5% of balance). Total typically £500-£3,000.

Last updated: 6 April 2025Last reviewed: 6 April 2025How we verify

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UK remortgage fee breakdown 2025/26. New lender fees. Arrangement fee (a.k.a. product fee): the lender's admin charge, £0-£2,000+. Sometimes added to mortgage (incurs interest); sometimes paid upfront. The lower-fee deals are often slightly higher rate — compare APRC to decide. Valuation fee: £0-£500 depending on property value and lender. Many remortgage deals include free valuation as standard. Legal/conveyancing fee: £200-£800. Many remortgage deals include free legal (lender pays the conveyancer for a basic remortgage). Telegraphic transfer fee (CHAPS): £25-£50 to send funds to your current lender. Application fee: usually waived or under £200. Current lender fees. Early Repayment Charge (ERC): 1-5% of outstanding balance if you leave during fixed-term period. Tapers down each year typically. Exit fee / deed fee: £50-£300 to close mortgage. Broker fee (if you use one): £0-£995, sometimes charged only on completion. Some brokers are commission-only (paid by lender, not you). Stamp Duty: usually NIL when remortgaging (you're not buying property — exception is some transfer-of-equity remortgages). Total typical cost: £500-£3,000 for a standard residential remortgage with broker. Compare total cost of moving vs staying on SVR (often 7-8% — usually much more expensive). The maths break-even is typically 2-6 months for typical fees vs SVR overpay.