When you apply for a Help to Buy home through the Equity Loan, you will have to cover 5% of your property’s purchase price. On the other hand, the government covers 20% of the purchase price through the Equity Loan. It leaves 75% share of the payment that you will need to cover through mortgage fees. If you are taking out a mortgage, there are several fees included in your payment. Some of these mortgage fees include the broker fees, valuation fees, adviser fees, arrangement fees, and more. For that reason, it would not be so easy to calculate your entire mortgage costs. Besides those mentioned above, there are also mortgage-related charges such as legal and survey fees to consider. Moreover, there are moving costs and Stamp Duty that adds to your mortgage charges. With all these charges, it’s essential to choose the right mortgage deal since purchasing a property is a considerable investment. There are mortgage fees that look promising but you don’t realise that its expenses can quickly stack up. With that, it’s best to ask for advice before choosing a mortgage deal.