Some lenders will reserve a proportion of the fee charged for the valuation to cover their own costs. If an application does not proceed, this part of the valuation fee may not be refunded, even if the valuation has not taken place. See valuation fee.

Mortgage intermediaries may charge a fee for their services. These feese can range from nothing to several thousand pounds. When choosing your broker or lender you should ask about the fees charged.

Some brokers will add the fees to the end of the loan. This will be appealing to many as they do not have to find up front fees. However, it is important to recognise that fees should reflect the service offered. Do not get sold high fees just because you can add themto the loan.