Mortgage fees on the riseWe compared the mortgage fees of the five lowest two-year and five-year fixes, over a range of LTVs, using data from the first four weeks of January 2026 and January 2025. We found that the best two-year fixed rates have average fees of £1,673. This change could be a factor behind the increase in mortgage fees we've found for remortgagers going for two-year fixes. When we checked on 21 January, we found that mortgage fees can be as much as £3,999, but the majority of products had fees of £1,000 or less. Typically, residential mortgage fees are a fixed amount, but you may also find fees that are charged as a percentage of what you need to borrow.