100% this.

You'll get big clubs listed players at the start of the window for full wages and a big fee but by the end they'll drop the fee and in most cases the wages to at most 50%.

No, just have loads of loan listed players scouted and then on deadline day make on offer for the ones you want.

Is it a bit of a gamble on how good they’ll be though?

Wait till deadline day and you can get a bunch of loans for free

I’ve just been promoted and managed to bring in some good expiries and low-budget signings. I now want to fill the last couple spots with loans but noticed all the players worth loaning come with these fees. Is there any way around it or do I just have to suck it up now I’ve hit the big time?

Are playing/unused monthly fees avoidable in Premier League?