We get paid for our services through a combination of fees and or commission.
The fees that we charge depend upon your individual circumstances and the amount of work that is likely to be involved, but we are open and transparent about everything and agree our charges before we start any work for you. Our fees are very competitive and because of this and the service that we offer, a large proportion of our business is from existing clients and referrals.
Fees can vary based upon circumstances surrounding individual cases, but for mortgages we typically charge an engagement fee of £250 at the beginning of the process having determined the scope of the work required. This fee covers the research required to get to the stage where we can make an appropriate recommendation about how to proceed based upon all the information provided. It also covers the cost of our time in case the mortgage does not proceed for whatever reason. When the mortgage goes ahead, we are paid a commission by the lender (which is also disclosed at the outset).
Life Assurance and Other Protection
We do not charge fees for arranging any protection for you. Whoever we recommend and process your policy with will pay us commission which we will disclose to you before we make any application on your behalf.
Mortgage Capacity Reports
These reports are very specialised and are suitable for use at Court. The standard charge is £300 for a single report, and £500 for a joint report including both parties. The fee is payable prior to commencement of research which begins as soon as we have received all the necessary information from you or your solicitor. Our service standard is that we would aim to produce a report within 5 working days of being instructed.
We do not charge fees for helping you to place any policies in trust.