When Is the Fee Payable?
Our fee is payable on successful completion of your mortgage.
We do not charge an upfront fee for the initial consultation.
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Lender Commission
In addition to our fee, we may receive a commission from the lender upon completion of your mortgage.
The amount of commission varies depending on the lender and the product selected. This will be disclosed to you in line with regulatory requirements.
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What Our Fee Covers
Our fee covers:
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A full assessment of your circumstances
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Research across the whole mortgage market
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A suitable mortgage recommendation
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Submission and management of your application
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Liaising with lenders, solicitors, and estate agents
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Ongoing support through to completion
Our Fees
We may charge a fee for our mortgage advice and service.
Any fee will be clearly explained and agreed with you in advance of submitting an application.
In some cases, the fee may vary depending on the complexity of the case. This will always be discussed and agreed with you before we proceed.
Residential Mortgages
Buying or moving home is one of the biggest financial decisions you’ll make. Our residential mortgage advice is designed to ensure your mortgage is suitable for your circumstances, both now and in the future.
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We provide support throughout the process, including:
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Assessing affordability and lender criteria
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Explaining interest rates, terms, and fees clearly
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Searching the whole of the market for suitable options
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Managing the application through to completion
Fee: £595 payable on completion
Self-Employed Mortgages
Self-employed income is assessed differently by each lender, which is why specialist advice is essential.
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We regularly help:
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Sole traders
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Limited company directors
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Contractors and freelancers
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Our approach includes:
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Reviewing your income structure and accounts
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Identifying lenders that support self-employed applicants
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Presenting your case clearly to lenders
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Guiding you on documentation requirements
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Fee: £695 payable on completion
Buy-to-Let Mortgages
Buy-to-Let mortgages are assessed differently to residential lending and require careful consideration of rental income, stress testing, and lender criteria.
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We help investors by:
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Assessing rental affordability and lender requirements
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Advising on individual vs limited company Buy-to-Let
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Supporting first-time and experienced landlords
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Managing remortgages and portfolio cases
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Our advice considers both the immediate mortgage and your longer-term property plans.
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Fee: £595 payable on completion
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Not all Buy-to-Let mortgages are regulated by the Financial Conduct Authority.
Services
Our services are designed to provide thoughtful, regulated mortgage advice built around your individual needs.
We work closely with you to explore suitable options, explain lender criteria clearly and support you through the process.
Refund Policy
If your mortgage does not complete, no fee will be payable, unless otherwise agreed in advance.
Regulation & Disclosure
We are authorised and regulated by the Financial Conduct Authority.
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Full details of our regulatory status, remuneration, and complaints procedure can be found in our Disclosure page.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
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Not all Buy-to-Let mortgages are regulated by the Financial Conduct Authority.
