Mortgages

We typically charge a fee of £495. The maximum fee is £1,000 and the minimum is £150.

Fees vary according to individual circumstances and we will agree our fees with you before we undertake any chargeable work. This fee is for advice, research, recommendation and implementation.

Our fee is payable upon application. This will be agreed with you prior to starting any chargeable work.

You can request to view the commission rates from each of the lenders we have considered at the time that we make our recommendation to you. The amount of commission will vary depending on individual circumstances, the lender and product. The exact amount of the commission will be explained to you before you apply for a loan.

You will receive a mortgage illustration when considering a particular mortgage that will tell you about any fees relating to it.

If you ask us to refer you to a specialist broker for second charge lending, we will receive a payment from the broker if they arrange a loan for you. The amount of the payment will vary according to circumstances but will be between a minimum of £500 and a maximum of £2,000, approximately 35% of the fee received by the specialist lender. For example on a fee of £1,500 we would receive £525.

For Lifetime Mortgage and Home Reversion Schemes we typically charge a fee of £495. The maximum fee is £1,000 and the minimum is £150.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

There is no fee for the ongoing service we provide for mortgage advice, as we will have been paid commission by the mortgage lender or insurance provider at the start of your mortgage.

Where there is no ongoing service in place, we can provide many services on an ad hoc basis. An additional fee may be required.