Yes, UK buy-to-let mortgages typically come with setup costs. These can include: Arrangement fees: Some lenders charge a fee for arranging the mortgage, which can vary widely but often ranges from a flat fee to a percentage of the loan amount. Valuation fees: Lenders will require a property valuation to confirm its market value and rental potential. Legal fees: You'll need a solicitor or conveyancer to handle the legal aspects of the mortgage process. Broker fees: If you use a mortgage broker, they may charge a fee for their services. Survey costs: Although not always mandatory, it's advisable to have a property survey done. Additional costs: These can include mortgage account fees, electronic transfer fees, and higher lending charges (if applicable). The exact costs can vary based on the lender, the mortgage product, and the property itself. It's important to factor in these costs when calculating the total investment required for a buy-to-let property.