Our Fees
We’re here when you’re ready
We believe fees should be clear, fair, and explained upfront. Our charges reflect the time, expertise, and care involved in providing personalised financial and mortgage advice. All fees are agreed with you in advance there are no surprises.
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Mortgage Advice Fees – At a Glance
Most residential mortgage cases fall within a clear,simple range.
- Residential mortgages: from £400
- First-time buyers: typically £500
- More complex cases: (e.g. adverse credit, Right to Buy): higher fees may apply
- Returning clients: often no fee
- Product transfers: usually fee free
The exact fee depends on the complexity of your circumstances and will always be
confirmed before we proceed.
Residential Mortgage Fees (Detailed)
Case Type
Broker Fees
Further Advance
£400
Product Transfer
No fee
Remortgage – Returning Client
No fee
Remortgage (Residential)
£400
Right to Buy
£800
Residential Purchase – Adverse Credit
£750
Residential Purchase (Non-FTB)
£500
First-Time Buyer – Adverse Credit
£750
First-Time Buyer
£500
Buy-to-Let Mortgage Fees (Detailed)
Case Type
Broker Fees
Further Advance (Non-Portfolio)
£550
Further Advance (Portfolio)
£400
Product Transfer – Returning Client
No fee
Product Transfer
£150
Remortgage – Returning Client
No fee
Remortgage (Buy-to-Let)
£400
Adverse Credit Buy-to-Let (Portfolio)
£550
Adverse Credit Buy-to-Let (Non-Portfolio)
£750
Buy-to-Let (Portfolio)
£400
Buy-to-Let (Non-Portfolio)
£500
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Commercial Lending & Bridging Finance
Broker fees are capped at £7,500 and structured as follows:
Commercial cases are handled by referral only and agreed on a case-by-case basis.
- £950 + 1% of the loan amount up to £500,000
- £950 + 0.5% up to £1,000,000
- £950 + 0.45% up to £1,500,000
- £950 + 0.35% on amounts over £1,500,000
Property developers and builders are considered individually.
The Financial Conduct Authority does not regulate commercial mortgages.
Commercial mortgages and bridging finance are available by referral only.
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Investments & Pensions – Initial Advice
Broker fees are capped at £7,500 and structured as follows:
Our charge for arranging investments and/or pension transfers is based on the amount invested:
- 3.5% on the first £100,000
- 2% on £100,001 – £500,000
- 1% on amounts above £500,000
A £500 Financial Review & Recommendation fee applies.
Where provider payments are received, this fee will be offset by the same amount.
Examples
- £10,000 investment → £500 total fee
- £200,000 investment → £5,500 total fee
- £600,000 investment → £12,500 total fee
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Equity Release
All equity release cases are charged a £1,000 broker fee, payable on offer.
- Residential mortgages: from £400
- First-time buyers: typically £500
- More complex cases: (e.g. adverse credit, Right to Buy): higher fees may apply
- Returning clients: often no fee
- RetProduct transfers: usually fee free
Equity release will reduce the value of your estate and may affect eligibility for means
tested benefits.
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Regular Savings & Investment Plans
For regular contribution plans, our fee is 50% of the first year’s contributions, capped at £2,000.
Fees can be paid:
- Directly by you, or
- Facilitated through the policy
If payments stop before fees are fully collected, the remaining balance will be charged directly.
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Ongoing Advice & Review Service
Where you choose to receive ongoing advice, we charge an ongoing adviser fee of up to 1% per annum, based on the value of the investments under advice
This typically includes:
- Regular reviews of your financial plan and investments
- Ongoing suitability and portfolio oversight
- Adjustments as your circumstances or goals change
- Continued access to advice and support
The level of any ongoing fee is agreed with you in advance and can be stopped at any time.
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Important Information
Where you choose to receive ongoing advice, we charge an ongoing adviser fee of up to 1% per annum, based on the value of the investments under advice
- Broker fees are charged on offer
- A full refund applies if a case fails due to adviser error
- No refund applies if:
- you choose not to proceed, or
- the lender withdraws the offer due to client actions (e.g. taking additional credit)
Portfolio
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