Individual advisers within the firm have different views on the way that they charge fees for mortgage work depending on the kind of general work that they do.


We offer four fee options dependent on the work involved and your personal circumstances.  Your adviser will discuss your requirement and any fee will be agreed prior to submitting a full application to the lender.

We will give you an indication of the fee we will charge at outset based on your initial disclosure but we retain the right to amend this should non-disclosed information come to light which increases the complexity of the application.

The Four fee options, with an indication of how the fee is usually reflected, are as shown below.

1/ No fee. We will be paid a procurement fee from the lender on completion
(This fee option will generally apply to applications for large loans where the fee paid is more than the adviser would expect to cover their time in a typical case.)

2/ A fee of £299 will become due either at outset of work commencing or on issue of a lenders formal mortgage offer and payable at completion or if a client does not proceed after an offer is made. The timing of when the fee becomes due will be discussed and agreed between the client and the adviser before work commences. We will also be paid a procuration fee from the lender on completion.
(This fee option will generally apply to existing clients and to first-time clients with low loan to values, no affordability issues and no credit history issues)

3/ A fee of £499 will become due either at outset of work commencing or on issue of a lenders formal mortgage offer and payable at completion or if a client does not proceed after an offer is made. The timing of when the fee becomes due will be discussed and agreed between the client and the adviser before work commences. We will also be paid a procuration fee from the lender on completion.
(This fee option will generally apply to first time clients with no credit history issues or minor credit history issues.)

4/ A fee of £799 will become due either at outset of work commencing or on issue of a lenders formal mortgage offer and payable at completion or if a client does not proceed after an offer is made. The timing of when the fee becomes due will be discussed and agreed between the client and the adviser before work commences. e. We will also be paid a procurement fee from the lender on completion.
(This fee option will generally apply to clients with substantial credit history issues or where lending is limited to a small number of lenders or complex cases due to complex personal circumstances.)

We will discuss your requirement and any fee will be agreed in writing prior to work commencing.

We will give you an indication of the fee we will charge at outset based on your initial disclosure but we retain the right to amend this should non-disclosed information increase the complexity of the application.

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

Refund of fees
If we charge you a fee, and your mortgage does not go ahead, you will receive no refund in any circumstance

Statement of Borrowing/Capacity for Borrowing (Often required in Divorce Proceedings)
A Fee of £250 will be payable for an analysis of earnings and expenditure confirmations of lenders expected lending with a confirmation letter.

Our Independent Financial Advisers are always happy to meet at our clients' preferred location and time and to have detailed initial discussions with no obligation.

Please contact us by calling 01949 836173 or email us on This email address is being protected from spambots. You need JavaScript enabled to view it.