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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
  • Advice
  • Mortgage research
  • Recommendation & implementation (application, administration of arranging the loan)
£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)

 

 

Take the next step

We all want a plan in place for our financial future. Let us take care of that for you.

Costs and charges

It’s important for us to be transparent about how much our services cost. At your initial consultation, we will give you a clear explanation of how much you will pay, what service you are paying for, how we’ve calculated the fees, and when you need to pay.

Insurance advice costs

Insurance advice covers Life assurance, Critical illness, Income protection, Accident, sickness, unemployment, Home insurance and Private medical insurance.

Investment advice costs

All investments, either from our core Quilter proposition or the wider market includes ISA's, Bonds, Pensions and Investment accounts.