Why arrangement fees quietly inflate your mortgage cost - and why sub-55% LTV deals can still be the sensible pick

https://www.iredellfreenews.com/lifestyles/2026/how-much-does-a-bridging-loan-cost-in-the-uk/

Why arrangement fees bury borrowers who chase low LTV rates Everyone hears the headline: "Below 55% LTV? You get the best rate." That is true. Lenders price risk, and if you lend against half the value or less you get a lower headline rate