Remortgage costs in the UK (2026 guide)
Use this guide to understand typical remortgaging costs and what affects the total before you switch deals.
This hub includes the UK guide plus county and town pages for local context.
Next step: compare remortgage options
Compare deals based on total cost over the fixed period, not just the interest rate. Check fees and ERCs before switching.
UK remortgage cost guide for 2026
Remortgaging can have low upfront cost, but the total depends on product fees, broker fees, valuations, legal costs and whether you face an early repayment charge (ERC) on your current deal.
The key is comparing the overall cost over the fixed period, not just the headline interest rate. A low rate with a high fee can be more expensive than a slightly higher rate with no fee.
At a glance cost summary
Many remortgages have minimal upfront fees if the lender offers free valuation and free legal work, but ERCs can be the biggest cost if you switch too early.
Always compare deals using total cost over the fixed period and consider whether to pay a product fee upfront or add it to the loan.
- Product fees often £0 to £1,999 (sometimes higher)
- Broker fees often £0 to £750+ (many are fee-free)
- Valuation and legal fees may be £0 with some lenders
- ERCs can be 0% to 5%+ of your balance depending on timing
What affects remortgage costs the most
- Whether you have an early repayment charge (ERC) on your current deal
- Product/arrangement fee level and whether it is added to the loan
- Broker fee (if any) and whether it is a complex case
- Loan-to-value (LTV) and lender criteria
- Property type and valuation complexity
- Legal work complexity (leasehold, title issues, gifted deposit history)
- Speed requirements and lender processing times
How to compare remortgage deals properly
- Compare total cost over the fixed period (rate + fees + incentives)
- Check ERC on your current mortgage and calculate break-even
- Confirm whether valuation and legal fees are included or payable
- Check whether fees are refundable if the deal falls through
- Consider whether to pay product fee upfront or add to the loan (interest impact)
FAQs
How much does it cost to remortgage in the UK?
It can be close to £0 upfront if you choose a deal with free valuation and free legals, but product fees can be £0 to £1,999 and broker fees (if charged) can be £0 to £750+. The biggest cost can be an early repayment charge (ERC) if you switch before your current deal ends.
Is it cheaper to use a fee-free broker?
Sometimes, but not always. Fee-free brokers are paid by lenders, while fee-charging brokers may access similar deals but offer more support for complex cases. Compare overall value and service.
Should I add the product fee to the mortgage?
You can, but you will pay interest on it over time. Paying upfront costs more now but can be cheaper overall depending on the term and rate.
What is the biggest hidden cost to watch for?
Early repayment charges (ERCs) on your current mortgage and high product fees that make a “low rate” deal more expensive overall.
Typical price ranges
These are realistic ballparks. Use county and town pages for local context.
| Job type | Typical price range | Notes |
|---|---|---|
| Lender arrangement / product fee (typical) | Up to £1,999 | Often added to the loan (adds interest) |
| Broker fee (if charged) | £0 – £750+ | Some are fee-free, some charge more |
| Valuation fee (if not free) | £0 – £400+ | Many lenders include a basic valuation |
| Legal / conveyancing fee (if not free) | £0 – £600+ | Some remortgages include free legals |
| Early repayment charge (ERC) (if applicable) | 0% – 5%+ of balance | Depends on current deal and timing |
| Booking/reservation fee (some deals) | Up to £300 | Not always refundable |
| CHAPS/transfer/admin fees (some lenders) | Up to £60 | Often small but worth checking |
| Higher lending charge (rare) | £0 – £1,000+ | Depends on LTV and lender |
| Total “typical” out-of-pocket fees (no ERC) | £0 – £1,500+ | Can be near-zero with free legals/valuation |
These are UK-wide ranges. Pricing can vary by region, urgency and availability.
Common questions
Browse related questions about pricing, quote comparisons and what affects the final cost.
Remortgage guidance by county
Select a county to see local context and links to town pages.
Last updated: January 2026