Mortgage Fees
Our fee for arranging mortgages is £400 per mortgage application, which must be paid on application and is non-refundable. This payment is for the time spent researching the market plus the administration involved in submitting the application to the appropriate lender on your behalf and ensuring the transaction is completed to suit your requirement.
We will also receive a fee from lenders/companies with which we place mortgages in recognition of the work we do on their behalf. We will advise you in writing of the fee payable.
Investment Fees
We offer an initial consultation (without charge) when we will describe our services more fully and explain the payment options. If you decide to go ahead, we will:
- gather and analyse personal information about you, your finances, your needs and objectives;
- recommend and discuss any action we think you should take and, with your agreement, arrange relevant investments, pensions, insurances or savings for you.
Not all firms charge for advice in the same way. We will discuss your payment options with you and answer any questions you have. We will not charge you anything until you have agreed how we are to be paid.
Non-Investment Insurance Fees
We will be paid commission on other non-investment insurance products. If you take out such 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.
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