---
title: "Mortgage Product Fee: detailed guide"
description: "Detailed explanations and criteria for Mortgage Product Fee."
url: "https://mortgagelane.com/guides/insights-what-are-product-fees-on-mortgages-details"
site: "Mortgage Lane"
collection: "guides"
date: "2026-04-13"
author: "Joseph Lane"
category: "Mortgage guide"
reviewed: "2026-04-13"
reading_time: "1 min"
byline: "Joseph Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Mortgage Product Fee: detailed guide

Detailed explanations and criteria for Mortgage Product Fee.

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

[Product fee](https://mortgagelane.com/definitions?term=product-fee)

Fees and charges

A charge associated with taking out a particular mortgage product.

[Read the full definition of Product fee](https://mortgagelane.com/definitions?term=product-fee)

Back to overview

[Mortgage Product Fee](https://mortgagelane.com/insights/what-are-product-fees-on-mortgages)

Related definitions

[Product fee](https://mortgagelane.com/definitions#def-product-fee)

## 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).

[Read more about How to do a true cost calculation on a mortgage](https://mortgagelane.com/guides/what-are-product-fees-on-mortgages/how-to-do-a-true-cost-calculation-on-a-mortgage)

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-04-13

Last reviewed: 2026-04-13

Source: https://mortgagelane.com/guides/insights-what-are-product-fees-on-mortgages-details