This survey reflects add-on fees, known as points, which are not included in the Freddie Mac report.

If a consumer goes with Nontransparent and avoids the add-on fees, he ends up paying less, the economists said.

Even with the £150,000 realised from the Akinde transfer, plus possible add-on fees, Ebbsfleet's financial situation is precarious notwithstanding the investment of funds from MyFC.

Those averages are lower than the bank board's because they do not include add-on fees, known as points, which are paid by borrowers.

The following areas are all considered normal add-on fees and should be included in the budget.

"You're asking the people who can't afford to hire an attorney to pay anyway by making them pay through add-on fees," Judge Thurman said.

The Federal Home Loan Mortgage Corporation said fixed-rate mortgages, not including add-on fees known as points, averaged 10.42 percent this week, up from 10.40 percent last week.

The averages do not include add-on fees known as points.

Those rates include add-on fees, as do the rates cited by the Board on fixed-rate mortgages.

The airline carried 58.5 million passengers last year and generated €600m (£545m) from add-on fees such as baggage check-in and credit card booking costs.