Our fee structure is based on three decisions; the loan amount, the complexity of your borrowing needs and whether we are arranging the mortgage for you, or providing an advice-only service.
We do not charge a fee unless your decide to go ahead with our advice, and that's after we have shown you what we can do.
When you decide to proceed with our recommendation we will charge a total fee of 0.5% of the loan for residential mortgage advice. Where cases are complex or involve a restricted access to credit, we estimate that the fee will be a total of 1% of the loan.
In all cases £200 of the total fee will be payable at the time of your application to the lender, with the balance payable ONLY when you receive a formal offer of mortgage from the recommended lender.
For example; on a mortgage of £100,000 the total fee would be £500. So, £200 of this fee is payable on your application to the lender and £300 will be payable when you receive a formal offer of mortgage. This fee example applies to a standard mortgage.