Mortgage & remortgage costs

Fees and charges often decide whether a “cheaper” rate is actually cheaper. Start with ERCs and fee types, then run the numbers.

• Early repayment charges (ERC) guide

  How UK mortgage ERCs usually work, common calculation methods, worked examples and links to our estimator.

• Broker fees vs direct (high-level)

  How to think about broker fees versus going direct — decision framing, not a broker ranking.

• True cost calculator

  Fees + ERC + interest delta in one flow.

• Stamp duty (England SDLT)

  Purchase-side tax bands for England & NI.