We're here to help you secure your financial future through trusted advice. As part of the process, we will discuss any fees to give you a clear expectation of how much you will pay.
Initial fee
| Service | What does this cover? | Fee amount |
| Mortgage advice service for residential, consumer buy-to-let or business buy-to-let mortgages |
|
£395 |
Our fee is payable in two stages:
- £195 at the first meeting to cover all research, advice and recommendations
- £200 (the remaining fee) at the second meeting to cover the application and implementation of the loan.
We will also be paid by commission by the lender.
You will receive a key facts illustration when considering a particular mortgage, which will tell you about any provider fees relating to it.
If we charge you a fee and your mortgage does not go ahead, you will not receive refund.
Ongoing fees
There is no fee for the ongoing service we provide, as we will have been paid commission from the mortgage lender or insurance provider at the start of your mortgage.
If we do not review your borrowing, you may end up paying more than you need to for your mortgage loans. If we have set up a mortgage for you, we aim to contact you before any special terms of your mortgage expire. Ideally, this will be 6 months beforehand. We encourage you to contact us should your financial circumstances change in the meantime. We will make reasonable endeavours to contact you. Please be aware that should we not be able to review your mortgage before the end of any special term, this may result in you paying considerably more for your loan.
You can add or enhance levels of service with your adviser if you feel appropriate (usually for an agreed fee)