OUR FEES

You get what you pay for? Not always, as we believe our fee structure is both competitive and fair, given the individual attention you will receive, and work we put into each and every case, and that our recommendations last as long as the lifetime of your mortgage!

We are fairly unusual in the mortgage marketplace as we publish our brokers fees, in an open and honest way. You can use this information to decide if our services are suitable for you. We believe that the benefits of paying a professional fee is that you know you will get a professional service, and you know exactly what you are committing to before authorising us to do any work on your behalf. We use the whole marketplace to search for the most suitable product for your needs and circumstances. If you DIY, then you only have yourself to blame if it goes wrong, but chose the wrong lender (the first to say ‘Yes’ is not always the best!), they could be charging a much higher interest rate, fees or other charges, than we could obtain for you. Where is the cost savings in that?

We do not charge First Time Buyers any Broker Fee for ‘Status’ cases. After all, they need all the help they can get! We do, however, take the lenders commission. After all, we are in business to make money, and maybe even a profit!

Our Broker Fee is payable ‘upon application’. This means that we would have already obtained your information (you would have completed the Fact-Find form we provided), and input it onto our systems, and we would have already carried out sufficient research for your needs and circumstances to be able to make recommendations to you. We would have committed everything to paper and shared it with you.

For cases where there is a 1% fee, we obtain a Fee Agreement from you, and arrange for this fee to be paid at Legal Completion through your Solicitor.

If you like what you hear, we ask you to pay our Broker Fee and return it with the lenders and insurance companies applications (or in many cases we can apply online, direct to the lender and insurance companies, whilst speaking over the telephone with you). We then email you any Declarations that need signing and you simply return them to us with the Broker Fee cheque. We continue to liaise with the lender until your case completes.

If your case becomes protracted, or information surfaces that was not disclosed by you initially, or a face-to-face meeting becomes required (within our designated area), we reserve the right to amend the basis of our fees.

As an ‘Independent Mortgage Adviser’ we have to provide our clients with a “Fees only” option. In this instance, our fee is 1% plus an initial £295 . We then refund the commission we receive from the mortgage lender to the client.

Our fees are as follows:

V.A.T. is not applicable to Broker Fees.

Check Section 4 (What will you have to pay us for our services?) of our Services and Costs Disclosure Document for information regarding the Broker Fee payable.

Don’t forget that we offer “Advice, not price. Bespoke advice at a price you can afford, not an ‘off the peg’ solution“.

Call us on 08458 386938 to discuss your requirements, in complete confidence and without obligation.

                                                                                  PAYMENT OF FEES

If we have already agreed to take on your case, please use the 'Pay now' button below to make payment of the Broker Fee, via Paypal. Please discuss alternative payment methods with us.

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NB Payment via Paypal incurs an additional fee of £11, which is the cost we are charged by Paypal to provide this service.