How much does it cost to remortgage in the UK?

Remortgaging to a new lender can cost nothing beyond a product fee, or several thousand pounds once legal work, a broker fee and an early repayment charge are added. Here is every line, typical ranges, and the site EXAMPLE house worked through.

Last checked 2 November 2026UK · illustrative onlyNot a lender or brokerAbout Disclaimer

Published by Rodway Labs — not a mortgage adviser

Figures reproduced from our calculators (methodology, editorial policy).

Published 21 September 2026 · Last revised 2 November 2026

Short answer: remortgaging to a new lender in the UK typically costs anywhere from £0 to a few thousand pounds in fees. Many deals come with a free valuation and a free legal package, so the main cost is often the product fee. Paying your own solicitor, a client-paid broker or an early repayment charge (ERC) pushes it up. Fees and ERCs often decide whether switching is worth it, so start there before rates. This page is the bill for moving to a new lender; what each fee type means in general is on mortgage fee types explained.

Product / arrangement fee: typically £0 to about £2,000; £0-fee deals usually carry a higher rate
Valuation: often free on remortgage products; roughly £100–£1,500+ when charged
Legal / solicitor fees: often covered by a free legal package on a standard remortgage; roughly £300–£1,000+ if you use your own conveyancer
Broker fee: £0 if the broker is paid only by the lender; otherwise a fixed fee or a percentage
Exit / admin fee on the old mortgage: often £0–£300, sometimes with a small CHAPS transfer fee to send the redemption funds
ERC: only if you leave before your current deal ends, and it can outweigh everything else

These ranges are rough orientation, first written in September 2026; they are not an official survey or a quote. MoneyHelper's remortgaging guide lists the same cost lines to check — ERC, legal, valuation and admin fees — and warns that adding fees to the loan can outweigh a lower rate. Your Key Facts Illustration and offer give the real figures.

EXAMPLE: what the site EXAMPLE house pays to remortgage

£185,000 balance, 22 years left, current fix EXAMPLE 4.19% with four months to run, new lender EXAMPLE 4.14%, 24-month horizon. EXAMPLE figures, not live prices.

Product fee £999 + paid legal work £500 + valuation £0 + broker £0
Fees to switch: £1,499, less £250 cashback = £1,249 net
Switch before the fix ends and an EXAMPLE 2% ERC adds £3,700 (2% × £185,000), taking the cost to £4,949 after cashback

In this EXAMPLE the ERC ends with the fix, so timing the new deal to start then avoids it. A free legal package would cut the net cost to £749. Enter your own lines in the Remortgage true cost calculator. For what each fee type means in general, including on a purchase, see mortgage fees explained; this page covers only the cost of moving to a new lender.

Fees before rate-hunting

Before comparing rates, list any ERC still in force and when it ends, exit or admin fees on the old loan, product, valuation, legal and broker fees on the new one, whether fees are paid upfront or added to the loan, and any cashback and clawback. The worked product transfer versus remortgage EXAMPLE shows how the same house can favour staying or switching once that stack sits beside the rate gap.

“No fee” deals: three quotes compared

EXAMPLE alternative quotes on the same £185,000 balance (illustrative fee lines, not the site EXAMPLE fee stack above):

Deal A, new lender, £999 product fee: valuation £0 (free), legal £0 (free pack), broker £0 (lender-paid), exit fee on old loan £95. Fees to switch: £1,094.
Deal B, new lender, “£0 fee” product: valuation £300, own solicitor £650, client-paid broker fee £495, exit fee on old loan £95. Fees to switch: £1,540.
Product transfer with the current lender: £999 product fee; no valuation, legal or exit fee. Fees: £999.

The “no fee” deal is £446 dearer in fees than Deal A, about £18.58 a month across a 24-month fix. Unless Deal B’s rate saves more than £446 in interest over the fix, Deal A is cheaper overall. The product transfer is only £95 cheaper in fees than Deal A, so the rate gap between those two decides it. All figures are EXAMPLE and illustrative, not live prices. Check your Key Facts Illustration and offer, then enter your own lines in the Remortgage true cost calculator.

Booking / product / arrangement fee

Lenders name this differently — booking fee, product fee, arrangement fee — but the idea is the same: a charge for taking that deal. Indicative range in September 2026: often £0 to about £2,000, with many mainstream residential products clustering around £999–£1,499 or advertising a £0 fee alongside a higher rate. Paying the fee upfront preserves the loan balance; adding it to the mortgage spreads the cash hit but increases interest over the remaining term.

A “fee-free” product is not automatically cheaper. Over a short fix, a slightly higher rate with no product fee can beat a lower rate with a four-figure charge — or the reverse, if the rate gap is large enough. Run both shapes through the true cost calculator rather than assuming the label on the product tells the whole story.

Valuation fee

The lender needs a valuation (sometimes an automated valuation model) before it lends. Remortgage products frequently include a free basic valuation. When you pay, indicative bands in September 2026 often sit roughly between £100 and £1,500+, rising with property value and with the level of inspection. A standard lender valuation is not a full building survey; it exists primarily to protect the lender’s security.

If a free valuation is part of the deal, confirm what happens if the valuation comes in low enough to push you into a worse loan-to-value band. Rate and fee assumptions can change when the LTV band moves.

Remortgage legal fees and solicitor costs

Remortgaging still needs legal work: redeeming the old charge, registering the new one, and checking title. Searchers often call this remortgage legal fees or remortgage solicitor fees — same cost line, different label. Many new-lender remortgage deals advertise a free legal or conveyancing package for a standard freehold remortgage. When you instruct your own firm, or when the free package does not cover your case, indicative costs for a straightforward remortgage in September 2026 often fall roughly in the £300–£1,000+ band before disbursements. Leaseholds, shared ownership, transfers of equity, second charges and title defects can cost more.

Free legal packs usually have eligibility rules and may require a panel firm, so ask early if your title is unusual. In the site EXAMPLE, paid legal work is £500 of the £1,499 fees.

Broker fees

Some intermediaries charge you a fee; some are paid by the lender (a procuration fee); some use a mix. Indicative client fees in September 2026 often range from £0 (lender-paid only) through fixed amounts commonly in the order of £300–£1,000+, or occasionally a percentage of the loan. Ask for a written breakdown of what you pay, what the lender pays, and whether any fee is refundable if the case does not complete.

Enter any broker fee in the true cost calculator so a direct application and a fee-charging intermediary sit on the same footing. This site does not rank brokers or lenders.

Exit, discharge and admin fees

Separately from any early repayment charge, some lenders still levy a small exit, redemption, discharge or deeds administration fee when the mortgage is repaid in full. Indicative range when charged: often about £0–£300 in September 2026. Many products waive it; others keep a modest fixed amount. It is easy to miss because it is small next to an ERC — and easy to forget when you only compare new-deal rates.

Check the redemption statement and the original offer wording. Add any confirmed exit fee to the cost of leaving, alongside the ERC estimate, before you treat a new-lender rate as a win.

Higher lending charge (HLC)

A higher lending charge (sometimes linked historically to mortgage indemnity-style insurance) is a fee some lenders used when the loan-to-value sat above a threshold. On many modern mainstream residential remortgage products it is uncommon, but it has not vanished from every corner of the market. If an HLC appears on an illustration, treat it as a real sterling cost — historically it could run from the high hundreds into several thousand pounds depending on loan size and LTV — and confirm whether you pay it upfront or add it to the advance.

If the line is blank or marked not applicable, move on; if a figure appears, add it to the same sheet as product, legal and broker fees.

How the lines fit together

A simple remortgage with a free valuation and legal pack may cost little more than a product fee plus any exit fee. A complex title, a paid valuation, a client broker fee and an ERC still in force can take the switching cost to several thousand pounds before the new rate saves anything. Cashback reduces the net cost only once its conditions and clawback are clear, and adding fees to the loan reduces cash at completion but adds interest. For the general fee map and a fee-versus-rate EXAMPLE, see mortgage fees explained; for whether a cashback deal beats a lower fee, see cashback vs a lower fee.

Sources, checked 2 November 2026: MoneyHelper on remortgaging and the FCA's consumer page on mortgages, which notes that offers are usually valid for three to six months and that a same-lender switch usually needs no new affordability check if you are up to date and not borrowing more.

Fee ranges and EXAMPLE figures are illustrative only, not personalised advice, not a mortgage offer and not an FCA-regulated recommendation. Fees change by lender, product and case. Enter your own lines in the Remortgage true cost calculator.