Remortgage costs in the UK
Remortgage costs vary by lender fees, broker fees, conveyancing, valuation needs, and whether you are switching lender or doing a product transfer with your existing lender. Use these ranges as guidance. The biggest savings often come from comparing total cost over the fixed period, not just the headline rate.
This hub covers typical UK pricing, what affects costs, and how to get accurate quotes. Use the county and town links below for more local context.
Remortgage cost checklist
- Arrangement fee and whether it is added to the loan
- Broker fee (if any) and what advice is included
- Legal fees and whether free legals are offered
- Valuation fee and any optional survey costs
Typical cost ranges
These are realistic ballparks. Confirm the final price based on your exact job and timing.
| Job type | Typical price range | Notes |
|---|---|---|
| Product transfer (same lender) fees | £0 – £300 | Often cheaper than switching |
| Arrangement/product fee (new deal) | £0 – £1,999 | Sometimes added to loan |
| Mortgage broker fee (if charged) | £0 – £695 | Some brokers are free |
| Remortgage conveyancing / solicitor fees | £300 – £900 | Often includes basic work |
| Lender valuation fee | £0 – £350 | Some deals include free valuation |
| Survey (optional, buyer-led) | £250 – £900+ | If you choose to commission |
| Early repayment charge (ERC) | 0% – 5%+ of balance | Depends on your current deal |
| Total typical remortgage costs (excluding ERC) | £400 – £2,200+ | Depends on product fees |
These are UK-wide ranges. Pricing can vary by region, urgency and availability.
What affects the cost?
- Switching lender vs product transfer
- Arrangement fees and whether they are added to the loan
- Broker fees and advice level
- Conveyancing complexity (leasehold, shared ownership)
- Valuation requirements and property type
- Early repayment charges on existing mortgage
- Loan size and fixed period when comparing total cost
How to get an accurate quote
- Ask your current lender for product transfer options and fees
- Request a comparison based on total cost over the fixed period (rate + fees)
- Check ERCs on your current mortgage before switching
- Confirm conveyancing is included and whether the lender offers free legals
- Ask whether the arrangement fee can be paid upfront or added to the mortgage
Next step: compare local remortgage providers
Browse providers in your area, shortlist a few options, and confirm pricing before booking.
FAQs
Are remortgage costs higher in the UK?
Most remortgage costs are national (lender fees, broker fees). Conveyancing can vary slightly by provider, but location is not usually a major driver.
Is a product transfer cheaper than switching lender?
Often, yes. It can avoid legal work and valuations, but rates may not always be the best. Compare total cost.
Should I pay an arrangement fee or choose a no-fee deal?
It depends on your loan size and fixed period. A fee deal can be cheaper overall if the rate is significantly lower.
Do I always need a valuation?
Many lenders do a valuation when switching. Some offer free valuations on selected deals.
Costs by county
Select a county to see local context and links to town pages.
County pages link to town pages for deeper targeting.
Common questions
Browse related questions about pricing, quote comparisons and what affects the final cost.
Need a fuller pricing breakdown?
See our dedicated pricing guide for more context on local price ranges, cost factors and what affects your quote.