This spread accounts for the increased risk associated with a mortgage vs. a bond. So a 10-yr bond yield of 4.00% plus the 170 basis points would put mortgage rates around 5.70%. Of course, this spread can and will vary over time, and is really just a quick way to ballpark mortgage interest rates.
If you bring an advisor, say, $100,000 of your savings and the advisor charges a 1.0% fee, you'll pay the advisor $1,000 a year. According to Forbes, these fees run from 0.75% to 1.5% of your account annually, though 2% is not uncommon.
1 Front-end load or initial sales charge (ISC) â Some mutual funds charge a fee when you buy your units or shares. 2  This is a percentage (up to 5%) of the amount that you are investing in the fund. 3  The fee is paid to the investment firm that sells you the fund.4  You can negotiate this fee with your advisor. This is a percentage (up to 5%) of the amount that you are investing in the fund. 2  The fee is paid to the investment firm that sells you the fund. 3  You can negotiate this fee with your advisor. 4  Back-end load or deferred sales charge (DSC) â Some funds charge a fee of up to 6% when you sell your units or shares.