Our Fees

You may have searched many mortgage advisor websites, wondering what they charge for their services and when that’s payable. You’ll also probably never have come across a fee promise, either.

We know it’s frustrating when you can’t get a straight answer to a simple question. Worse still, if you call up and someone says, “Well, it depends on how complex your circumstances are”, etc.

We aren’t like that. 

How much is your fee?

We have standard fees for most applications; however, there are some variations. Our fee structure is below. Please note that DIP = Decision in Principle. A DIP, an AIP, and a MIP all mean the same: it’s a pre-approval for your mortgage and means you have passed the ID, AML, affordability and credit checks necessary to proceed with a full application. 

• Standard Residential Mortgage: £99 payable on DIP £499 on mortgage offer.

• Debt Consolidation Remortgage: £99 payable on DIP £599 on mortgage offer.

• *Adverse Credit Mortgage: £99 payable on DIP £699 payable on mortgage offer. 

• Buy-to-let (Including Limited Company Applications): £199 payable on DIP £799 on mortgage offer.

Our lifetime fee promise. We won’t deviate from these fees, so there will be no nasty surprises or hidden extras, and your fee is for the lifetime of your mortgage. That means when you need to renew or move home in the future, you won’t need to pay us again. 

What do you get for your fee?

• Mortgage advice – the right lender on the right terms for you.
• Mortgage submission – all the paperwork to get your case allocated to an underwriter.
• Insurance advice – a comprehensive insurance plan within your budget.
• Legal Instruction – The solicitor will open the legal case on your behalf.
• Initial legal paperwork completion – ensuring it’s right the first time.
• Property survey – ensure the correct survey is undertaken.
• Third parties liaison – we deal with estate agents, lenders, surveyors, solicitors and insurers.
• A free single or mirror will worth up to £130

We’re with you from start to finish, so if you need to talk to us during that time please pick up the phone, drop us an email, or send us a message because the last thing we want is for you to sit worrying or confused. We’re here to help make things as easy and stress-free as possible for you, after all.

If that sounds like the service you want, please contact us for an initial chat, or alternatively, you can book an appointment straight into our diary. 

We look forward to meeting you and helping you with your home-buying or remortgage plans.

*We define adverse credit as any county court judgement (CCJ), default, IVA, debt management plan, bankruptcy, missed mortgage payments or repossession registered within the past three years. We don’t consider missed payments on unsecured credit as adverse credit, although some lenders may.