How we are paid

Once we have presented our recommendation, our fee is payable on application.

For our advice services, we will charge a fee of between £150 and £595. Our typical fees are:

• £150 for an existing lender product transfer

• £395 for Residential purchase or remortgage applications

• £595 for Buy to Let, or more complex cases such as impaired credit, bridging finance or debt consolidation

The fee is payable on application and you will not receive a refund if your mortgage or loan does not go ahead.

Fees may vary depending upon the complexity of your requirements, but these will be agreed with you in advance and detailed clearly in our client agreement.

We will also be paid a procuration fee by the lender. The amount of the procuration fee will be disclosed to you.You have the right to ask us to provide information on the range of procuration fees that the lenders on our panels offer to us. If an application is submitted to a lender via a packager (a 3rd party specialist) we will be paid commission by the packager. This will be disclosed to you.​

The amount of commission we receive varies from lender to lender. Information about the range of commissions available to us from the mortgage products we recommend is available upon request.

You will receive a personalised illustration when considering a particular mortgage, This will highlight the key facts about the mortgage product, including any fees relating to it and the amount of any commisison due to us from the mortgage lender.

For the avoidance of doubt, a copy of our Initial Disclosure Document can be found here