Insurance

We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.

You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.

Mortgages

A fee of up to 1% of the loan will be charged, 50% payable on application and 50% payable on receipt of the mortgage offer, subject to a minimum fee of £349. For example, on a £200,000 loan this would equate to a fee of £2,000.

The total fee will be based on your personal circumstances, employment record and credit history. We will provide you with written confirmation of your fee prior to the commencement of any chargeable activity.

(Refunds)

You will not receive a refund if your mortgage or loan does not go ahead.

(Procuration Fee)

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.