f you use a broker to get a loan, including a mortgage or a loan secured on your home, you will probably be charged a fee for the service. Make sure you know what this will be before you commit yourself. If, however, you do not enter into a loan agreement within six months of being introduced to a possible lender, the broker can only charge a fee or commission of £5 and if you have already paid more you can recover the excess. Similarly, other fees, such as a survey fee paid to the credit broker in connection with a loan that you do not eventually take up, are also refundable if you are borrowing £25,000 or less.