What will you have to pay us for our services?
Typically we do not charge a fee, however, for mortgage applications that include complex income structures, adverse credit or borrowing of less than £150,000 a fee of up to £295 will be payable upon submission to the lender. The total fee will be based on your personal circumstances, employment record and credit history. We will provide you with confirmation of the fee prior to the commencement of any chargeable activity. We will also receive commission from the lender.
If you’d like to know the range of commission payable from our lenders, please ask me for a list. You will receive an illustration when considering a particular mortgage, which will tell you about any fees relating to it. It is important that you read and understand the illustration.
Our refund policy for mortgage fees
If we charge you a fee and your mortgage does not go ahead, you will receive:
A full refund should we be unable to secure a mortgage offer for you. If you decide not to proceed to completion or if there is an omission of adverse credit which leads to your mortgage application being declined then our fee will be non-refundable.
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Your home could be repossessed if you don’t keep up repayments on your mortgage.