Changes to interest rates and fees in response to the ban on exit fees have been muted, with a little over one third of lenders putting up rates and about 20 per cent changing upfront fees.The ban on exit fees, which took effect on July 1, has stopped the practice of lenders charging deferred establishment fees that were, in some cases, as high as A$5000.The comparison website Infochoice reports that of 69 mortgage providers it tracks in its database 37 per cent have increased rates on some of their products. The average increase is 0.2 per cent.Infochoice's head of external relations, Dirk Hofman, said this level of change could be expected in the normal course of business.Fourteen providers have introduced, or increased, some form of up-front fee. According to Infochoice, the average increase is $230.Hofman said the highly competitive nature of the mortgage market meant that lenders could not make big increases in fees.Lenders are charging between $200 and $600 (including Aussie and Collins Home Loans) for application fees. Others are charging valuation fees of up to $330 (Illawarra Home Loans) and legal fees of as much as $396 (Resi Mortgage Corp).None of the major banks have increased any of their up-front charges.