1)

https://www.yankee-bookmarkings.win/ignoring-non-refundable-valuation-fees-how-brokers-can-cut-your-borrowing-cost-more-than-their-fee-suggests

1) Just went through a bridging loan with Octopus yesterday, and honestly, the costs caught me off guard. On a £120k loan, my total fees ended up at £11,200—that's over 9%! Thought arrangement fees would be around 2-3%, but mine hit £3,800 alone