Our charges are based on two considerations: the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to proceed with an application. As we offer a bespoke service our charges can vary.
We typically charge £499, this is payable on receipt on mortgage offer, we shall submit the full mortgage application, package your case and present it to the mortgage lender in the best possible light, we communicate and represent you to the underwriter to ensure a smooth process.
Once the underwriter agrees the mortgage, the property is then inspected (mortgage survey) once the survey results are back with the lender, the mortgage is then formally offered, confirmation of the formal offer is posted to all parties (you and your solicitor).
At the mortgage offer stage, (back end, after conducting all our work) we then take payment from you of £499.
Our fees apply to all regulated mortgages including consumer buy to let’s. Certain mortgages, primarily business buy to lets and commercial mort-gages, are not regulated. Fees for non-regulated mortgages can vary de-pending on your requirements and circumstances.
The client fee doesn’t merely cover the administration of your loan applica-tion. It also covers our extensive research, our in-depth knowledge of the market and the independent mortgage advice you receive from us.
Please contact us directly for more guidance.