At Utopia Financial Partners, we are not tied to any lender, which means that we act entirely on your behalf and represent your best interests in order to establish the most appropriate mortgage quotes for you. There are so many types of mortgages available that it is easy to become confused, possibly opting for the product offering the lowest headline rate of interest. However, when booking fees, arrangement fees, conditional insurances, higher lending charge premiums and early repayment charges are taken into account the products may not be as attractive as they first appear.