Our Mortgage Charges

A fee of £125.00 will be payable on submission of a mortgage application. We will also be paid commission from the lender on completion.

Or

A Fee of 0.59% (subject to a minimum fee of £800.00) of the proposed mortgage will be charged to cover our costs of our mortgage advice service, and will become payable at the point of legal completion of your mortgage. We will refund to you any commission we receive from the lender.

You will receive a key facts illustration when considering a particular mortgage which will tell you about any fees relating to it.

Other Services

We offer the following payment options

Paying by fee

Whether you buy a product or not, you will pay us a fee for our advice and services. If we also receive commission from the product provider when you buy a product, we will pass on the full value of that commission to you in one or more ways. For example, we could reduce our fee; or reduce your product charges; or increase your investment amount; or refund the commission to you.

If you choose the fee option we will agree the rate we will charge before beginning work. We will tell you if you have to pay VAT. Our typical charges are:

Director - £195.00 per hour
Financial adviser - £150-165 per hour
Administration - £25 per hour

You may ask us for an estimate of how much in total we might charge. You may also ask us not to exceed a given amount without checking with you first.

Paying by commission (or product charges)

If you buy a financial product, we will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider’s own costs and any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.

Paying by a combination of commission and fee

In some circumstances, we also charge a fee on top of any commission we might receive.