Mortgage guide

Mortgage Product Fee: detailed guide

Wondering about product fees on mortgages? Find out what they are and how to reduce upfront costs when applying for your mortgage!

Joseph Lane CeMAP · FCA authorised firm

Published: 13 Apr 2026
Last reviewed: 13 Apr 2026
Reading time: 1 min

How to do a true cost calculation on a mortgage

When comparing mortgage deals, especially when deciding whether to pay or add a product fee to mortgage, it’s essential to work out the true cost. This means looking beyond just the interest rate or monthly repayment and calculating the total amount you’ll pay over the initial deal period (such as a 2-year or 5-year fixed rate).

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