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 A new survey has revealed that mortgage lenders are using additional fees as they desperately attempt to maintain their margins in the current downturn.
And to make matters worse for borrowers already struggling to find the best deals, online mortgage company mform.co.uk has suggested that the charges vary hugely between lenders.
The research conducted by mform showed that borrowers could face fees ranging from £0 all the way up to £419.
But, crucially, deals offering no arrangement fee often ultimately end up costing more than expected when valuation and administration fees are added.
The findings appear to be another indication that the mortgage market is in disarray as it attempts to come to terms with the ongoing effects of the credit crunch.
Francis Ghiloni, of mform, said: "Borrowers can be forgiven for thinking that there should be a fixed cost for a valuation which is standard across the industry. It's the same house after all.
"However, lenders are being squeezed in the credit crunch and are using fees - and increasingly a variety of fees - to maintain margins.
"Some charge arrangement fees and while others charge valuation fees and valuation administration fees, others charge no fees."
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