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 - but brokers have warned that nearly all of these deals carry large arrangement fees, which can make them more expensive than they first appear.  Research published this week by Moneyfacts, the financial data provider, showed the average mortgage arrangement fee has increased £151 over the past year, from £879 to £1,030.    An analysis of current mortgage deals by FT Money has also found that most of the cheapest rates on offer now come with fees significantly higher than £1,000.