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Helping you get the right deal for your home
A mortgage is likely to be the biggest financial commitment you’ll ever make. Because the impact of having the right or wrong mortgage can affect you for many years, expert advice can be particularly valuable.
Our advisers work solely for you and are not tied to a specific mortgage provider. This means they’re free to source and select mortgage products from the whole of market to find the most suitable offer for you.
And, because of we’re part of the Quilter Financial Planning Network, you can also benefit from exclusive or special deals that can’t be found anywhere else.
Whether you’re buying a new home or remortgaging, your adviser will make the process as easy as possible for you and will guide you every step of the way.
How our financial advisers can help you
You can ask us about a range of mortgage matters, including:
- Buying a house for the first time
- Getting the right deal for your existing home
- Securing an income by renting out a property
- Using your savings to lower your mortgage
- Having peace of mind that your mortgage will stay affordable
It is important to remember that your home may be repossessed if you do not keep up repayments on your mortgage.
How much does it cost?
| Service | What does this cover? | Fee amount |
|
Mortgage advice service for residential, consumer buy-to-let or business buy-to-let mortgages. |
|
Up to £1,000 (we also receive commission from the lender). |
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.
Get in touch
Email QFAinfo@quilter.com or call 0800 849 1279 if you have any questions or you wish to book a free initial consultation.
The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185.
Quilter Financial Advisers Limited is an appointed representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited is entered on the FCA register under reference number 440703.