In general, arranging a commercial mortgage will incur the following fees: Valuation fee – a panel of valuers will determine how much the property is worth in today’s terms. Lender arrangement fee – the lender will charge a fee for arranging the mortgage. Legal fee – both parties (lender and borrower) will require legal representation to ensure the deal is valid. Broker fee – most commercial property transactions involve a commercial mortgage broker to find the best lender at the lowest interest rates.