Broker fees vs going direct
Brokers can widen product access and handle paperwork; going direct can suit simple cases. Fees are only one part of the decision.
Updated UK · illustrative onlyNot a lender or brokerAboutDisclaimer
RLPublished by Rodway Labs — not a mortgage adviser
Published
Remortgage Lab does not rank brokers or lenders. Use this as a framing checklist when someone quotes a fee.
- What do you pay? Fixed fee, percentage, or free-to-client (lender-paid)? Get it in writing.
- What market access? Whole-of-market vs limited panel vs single lender.
- Complexity: adverse credit, complex income, or tight timelines often benefit from an experienced intermediary.
- Direct: may work if you already know the product and your case is straightforward — still compare fees and ERC carefully.
Add any broker fee as a line item in true-cost comparisons so it competes fairly with fee-free direct products.
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Calculators and articles on Remortgage Lab are illustrative and not personalised financial advice. Always check current lender terms and, where appropriate, speak to an FCA-authorised adviser. England & Northern Ireland focus where tax rules are cited; Scotland and Wales differ.