What are our fees and charges?

Insurance

We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.

You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.

Mortgages

We will charge a fee for our advice service which will depend on what mortgage you need, your financial circumstances, and the complexity of what you want. The amount of fee will be between £0 and 1% of the value you need to borrow up to a maximum of £999.

For example, if your mortgage was £250,000 the maximum fee you would pay would be £999.

Any fee charged will be agreed with you before any fee charging work is carried out.

You need to pay the fee when you get your offer of your mortgage. Any fee paid is non-refundable if your mortgage doesn’t go ahead however, we will submit any subsequent mortgage application without charging a fee.

We will also be paid a procuration fee by the lender. You will be told how much this is when we give you the mortgage illustration. You can ask in advance the percentage (of the loan) each lender will pay us.

If an application is submitted via a third party specialist (sometimes called a packager) we will be paid commission by them instead of the lender. This will be disclosed to you.