Although fund houses often offer only their own products, fee-only planners cast a wider net.
Others are more of the traditional "stock jockey" variety who are paid by commissions on trading activity, and possibly through what can be inelegantly but accurately described as kickbacks for selling particular products (fee-laden funds and annuities, for example).
Fee: £1,675 (£1,545 product fee + £130 mortgage application processing fee).
The key is to factor in the product fee as well as the headline rate.
But just look at the extra charges you have to pay: a £1,600 product fee, plus a booking fee of £195.
There is a five-year fixed rate from First Direct at 2.89 per cent, with a £1,450 product fee for borrowers with a deposit of 35 per cent or more.
Unlike the N&P deal, however, the Yorkshire loan comes with no product fee, although it does have a £130 "processing charge".
This is beaten by the Post Office, which offers a 2.78 per cent two-year fix, but this in turn comes with a hefty £1,495 product fee, and therefore higher upfront costs.
If you're after a 90 per cent mortgage, Yorkshire Bank is topping the best buys with a two-year fixed rate of 2.39 per cent and a five-year fixed deal at 3.39 per cent, both with a £999 product fee.
Let's say you want to borrow £90,000 over a 20-year term, and you took out the five-year fix and added the £995 product fee to the loan.
