The hourly rate you get quoted should be the rate you get in my experience the agency fees/charges will be on top of this rate and vary quite a lot depending on which agency you use and which industry you're in.
If you think it's a short term thing then getting a managed company (different to an umbrella company, basically it's your own limited company and you pay someone to run it for you) is not a bad idea as they'll do all your accounts, returns etc for you. I used Boss Solutions the first time I was contract without any problems. Now I've gone back to contracting and plan to stick with it I've got my own limited company with an accountant etc.