I am looking to remortgage a year early for various reasons and will be having to pay the ERC at 1%, which will be £2,500. I have found a mortgage broker who have been highly recommended but their flat fee is £1,000 (which will be about 3% of our new mortgage). I don’t know if it’s worth going to a broker where you pay a fee or if I should look to find one that just gets commission from the bank/ building society? Am I likely to get a better deal / wider choice with a broker that I pay a fee to? If so does the fee sound reasonable? It’s a £295 deposit, refundable if you don’t get offered a mortgage, and the balance payable on completion. Any experiences much appreciated!