Mortgage & Remortgage Advice Fees

UK residential, good credit history, poor credit history, buy to let, expat buy to let, large loans, self build, commercial and even SSAS/SIPP pension mortgages.  Select the mortgage service to suit your requirements.  Our fee quotations are in two parts depending upon the way you wish us to work and any fee discount applied:

  • Stage 1: Mortgage Search/ Research Fee (always paid upfront)
  • Stage 2: Application for Selected Mortgage to Completion (paid upfront or on completion)

When you see this: = guidance notes/videos in the quotation form to help you complete your fee quotation.

Two Stages Means Stage 1 Puts You In Control:  We want to put you in control of your mortgage costs.  Many mortgage brokers only research mortgages that are available via "broker only" deals i.e.  they do not include “direct only” mortgage deals.  Likewise, going "direct only" means you will not be shown any "broker only" deals.  We search the whole mortgage market – both Broker Only deals, Direct Only deals and General Availability deals.  This means you get true “Whole of Market” mortgage research and advice.  That said, if the right deal for you is a "direct only" mortgage lender, they will not accept an application via us i.e.  they want you to apply direct (we assume so that can try and sell you other services).  With that in mind, the Stage 1 upfront fee covers our time and research and then if you wish to or must apply on your own, you can and we don’t charge the balance Stage 2 fee.  If you have paid all fees upfront to secure a discount and then the mortgage search is unsuccessful or we suggest a “direct only” deal, we will retain the stage 1 search fee and issue a refund of any overpayment.

Products

 

Clear Credit History Residential Mortgage (up to £0.5m) - Research, Placement and Installation to Completion.

Stage 1: Mortgage Research

  • To source thousands of mortgage/remortgage products available at any one time and recommend a suitable product to you.
  • We will assess the feasibility and suitability for your mortgage application.
  • We will research, review and compare the thousands of mortgage/remortgage products available on the market at any one time and recommend a suitable product to you.  
  • We will provide you with a full written report of our recommendations and the reasons for making those recommendations, in respect of your requirements. 
  • We will NOT proceed until you understand and are happy with the recommendations made.
  • We will look to secure a 'decision in principle' to lend and to obtain the necessary documentation for application.

Stage 2: Application (if we make the application for you)

To complete full application and supporting documentation, to submit our verification/certification (where required) of your affordability and suitability of the mortgage and to confirm to the lender, that we have given advice to you and we consider you acceptable to the lender and meet its lending criteria.  We will deal with your lender, your legal advisers and any other interested parties. 

  • We will arrange all documentation and paperwork for the application, including implementation to offer stage and ensuring you/your legal advisers receive the necessary documentation within reasonable timescales. 
  • We will liase with lenders, agents and solicitors on your behalf to ensure smooth transition from offer to completion and money release.
  • VAT free as majority of works are for intermediation on regulated products.

Fees are discounted up to 25% depending upon how you wish us to work.  There are four low cost, fixed fee options: two options where you pay our fees upfront and two options where only the research fee is required upfront.

50% Procuration Fee Rebate - Some lenders but not all may pay us a procuration fee (similar to commission) on completion of the loan.  We will usually retain 50% of any procuration fee paid to us and 50% will be allocated back to you in the form of refunding any upfront fees already paid to us by you and/or offset against fees outstanding.  By way of example, some lenders pay procuration fees of 2% of the loan e.g.  Loan £50,000, procuration fee £1,000.  £500 would be retained by us and £500 would be allocated to you to pay for any outstanding fees or refunded against fees already paid by you.


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount
Part 1 : Search (Upfront) - £660.00
Part 2 : Application (Upfront) - £660.00
2. Non Face to Face Paid On Completion
15% Discount
Part 1 : Search (Upfront) - £748.00
Part 2 : Application (Completion) - £748.00
3. Face to Face Paid Upfront
10% Discount
Part 1 : Search (Upfront) - £792.00
Part 2 : Application (Upfront) - £792.00
4. Face to Face Paid On Completion
Standard Fee
Part 1 : Search (Upfront) - £880.00
Part 2 : Application (Completion) - £880.00
 
 

We have all been there!  So many people have from time to time got into financial difficulty or indeed have a 'blip' on their credit report that they did not even know about about.  Sometimes our own fault, other times not our fault.  With impaired credit there are specialist mortgage lenders that will take into account the circumstances and look at the 'bigger picture' when assessing a mortgage application. 

This service is for: Poor Credit History Residential Mortgage (up to £0.5m) - Research, Placement and Installation to Completion.

Stage 1: Mortgage Research

  • To source hundreds of 'impaired credit' history mortgage/remortgage products available at any one time and recommend a suitable product to you.
  • We will assess the feasibility and suitability for your mortgage application.
  • We will research, review and compare the thousands of mortgage/remortgage products available on the market at any one time and recommend a suitable product to you.  
  • We will provide you with a full written report of our recommendations and the reasons for making those recommendations, in respect of your requirements. 
  • We will NOT proceed until you understand and are happy with the recommendations made.
  • We will look to secure a 'decision in principle' to lend and to obtain the necessary documentation for application.

Stage 2: Application (if we make the application for you)

To complete full application and supporting documentation, to submit our verification/certification (where required) of your affordability and suitability of the mortgage and to confirm to the lender, that we have given advice to you and we consider you acceptable to the lender and meet its lending criteria.  We will deal with your lender, your legal advisers and any other interested parties. 

  • We will arrange all documentation and paperwork for the application, including implementation to offer stage and ensuring you/your legal advisers receive the necessary documentation within reasonable timescales. 
  • We will liase with lenders, agents and solicitors on your behalf to ensure smooth transition from offer to completion and money release.
  • VAT free as majority of works are for intermediation on regulated products.

Fees are discounted up to 25% depending upon how you wish us to work.  There are four low cost, fixed fee options: two options where you pay our fees upfront and two options where only the research fee is required upfront.

50% Procuration Fee Rebate - Some lenders but not all may pay us a procuration fee (similar to commission) on completion of the loan.  We will usually retain 50% of any procuration fee paid to us and 50% will be allocated back to you in the form of refunding any upfront fees already paid to us by you and/or offset against fees outstanding.  By way of example, some lenders pay procuration fees of 2% of the loan e.g.  Loan £50,000, procuration fee £1,000.  £500 would be retained by us and £500 would be allocated to you to pay for any outstanding fees or refunded against fees already paid by you.


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount
Part 1 : Search (Upfront) - £1,320.00
Part 2 : Application (Upfront) - £660.00
2. Non Face to Face Paid On Completion
15% Discount
Part 1 : Search (Upfront) - £1,496.00
Part 2 : Application (Completion) - £748.00
3. Face to Face Paid Upfront
10% Discount
Part 1 : Search (Upfront) - £1,584.00
Part 2 : Application (Upfront) - £792.00
4. Face to Face Paid On Completion
Standard Fee
Part 1 : Search (Upfront) - £1,760.00
Part 2 : Application (Completion) - £880.00
 
 

Buy to Let or 2nd Home/Additional Property Residential Mortgage - Research, Placement and Installation to Completion.

Stage 1: Mortgage Research

  • To source hundreds of buy to let or 2nd home mortgage/remortgage products available at any one time and recommend a suitable product to you.
  • We will assess the feasibility and suitability for your mortgage application.
  • We will research, review and compare the thousands of mortgage/remortgage products available on the market at any one time and recommend a suitable product to you.  
  • We will provide you with a full written report of our recommendations and the reasons for making those recommendations, in respect of your requirements. 
  • We will NOT proceed until you understand and are happy with the recommendations made.
  • We will look to secure a 'decision in principle' to lend and to obtain the necessary documentation for application.

Stage 2: Application (if we make the application for you)

To complete full application and supporting documentation, to submit our verification/certification (where required) of your affordability and suitability of the mortgage and to confirm to the lender, that we have given advice to you and we consider you acceptable to the lender and meet its lending criteria.  We will deal with your lender, your legal advisers and any other interested parties. 

  • We will arrange all documentation and paperwork for the application, including implementation to offer stage and ensuring you/your legal advisers receive the necessary documentation within reasonable timescales. 
  • We will liaise with lenders, agents and solicitors on your behalf to ensure smooth transition from offer to completion and money release.
  • VAT free as majority of works are for intermediation on regulated products.

Fees are discounted up to 25% depending upon how you wish us to work.  There are four low cost, fixed fee options: two options where you pay our fees upfront and two options where only the research fee is required upfront.

50% Procuration Fee Rebate - Some lenders but not all may pay us a procuration fee (similar to commission) on completion of the loan.  We will usually retain 50% of any procuration fee paid to us and 50% will be allocated back to you in the form of refunding any upfront fees already paid to us by you and/or offset against fees outstanding.  By way of example, some lenders pay procuration fees of 2% of the loan e.g.  Loan £50,000, procuration fee £1,000.  £500 would be retained by us and £500 would be allocated to you to pay for any outstanding fees or refunded against fees already paid by you.


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount
Part 1 : Search (Upfront) - £660.00
Part 2 : Application (Upfront) - £660.00
2. Non Face to Face Paid On Completion
15% Discount
Part 1 : Search (Upfront) - £748.00
Part 2 : Application (Completion) - £748.00
3. Face to Face Paid Upfront
10% Discount
Part 1 : Search (Upfront) - £792.00
Part 2 : Application (Upfront) - £792.00
4. Face to Face Paid On Completion
Standard Fee
Part 1 : Search (Upfront) - £880.00
Part 2 : Application (Completion) - £880.00
 
 

Expat Buy to Let or Home Mortgage/Remortgage on UK Property.  Clear Credit History Residential Mortgage - Research, Placement and Installation to Completion.

Stage 1: Mortgage Research

  • To source the many expat mortgage/remortgage products on UK property available and recommend a suitable product to you.
  • We will assess the feasibility and suitability for your mortgage application.
  • We will research, review and compare expat mortgage/remortgage products available on the market at any one time and recommend a suitable product to you.  
  • We will provide you with a full written report of our recommendations and the reasons for making those recommendations, in respect of your requirements. 
  • We will NOT proceed until you understand and are happy with the recommendations made.
  • We will look to secure a 'decision in principle' to lend and to obtain the necessary documentation for application.

Stage 2: Application (if we make the application for you)

To complete full application and supporting documentation, to submit our verification/certification (where required) of your affordability and suitability of the mortgage and to confirm to the lender, that we have given advice to you and we consider you acceptable to the lender and meet its lending criteria.  We will deal with your lender, your legal advisers and any other interested parties. 

  • We will arrange all documentation and paperwork for the application, including implementation to offer stage and ensuring you/your legal advisers receive the necessary documentation within reasonable timescales. 
  • We will liase with lenders, agents and solicitors on your behalf to ensure smooth transition from offer to completion and money release.
  • VAT free as majority of works are for intermediation on regulated products.

Fees are discounted up to 25% depending upon how you wish us to work.  There are four low cost, fixed fee options: two options where you pay our fees upfront and two options where only the research fee is required upfront.

50% Procuration Fee Rebate - Some lenders but not all may pay us a procuration fee (similar to commission) on completion of the loan.  We will usually retain 50% of any procuration fee paid to us and 50% will be allocated back to you in the form of refunding any upfront fees already paid to us by you and/or offset against fees outstanding.  By way of example, some lenders pay procuration fees of 2% of the loan e.g.  Loan £50,000, procuration fee £1,000.  £500 would be retained by us and £500 would be allocated to you to pay for any outstanding fees or refunded against fees already paid by you.


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount
Part 1 : Search (Upfront) - £1,320.00
Part 2 : Application (Upfront) - £660.00
2. Non Face to Face Paid On Completion
15% Discount
Part 1 : Search (Upfront) - £1,496.00
Part 2 : Application (Completion) - £748.00
3. Face to Face Paid Upfront
10% Discount
Part 1 : Search (Upfront) - £1,584.00
Part 2 : Application (Upfront) - £792.00
4. Face to Face Paid On Completion
Standard Fee
Part 1 : Search (Upfront) - £1,760.00
Part 2 : Application (Completion) - £880.00
 
 

Some mortgages are more complex such as residential large loans (£0.5m +), self build mortgages, commercial or your pension (SIPP/SSAS) buying a commercial property with a pension mortgage. 

Complex Mortgage Service Includes: Research, Placement and Installation to Completion.

Stage 1: Mortgage Research

  • To source thousands of specialised residential and commercial mortgage/remortgage products available at any one time and recommend a suitable product to you.
  • We will assess the feasibility and suitability for your mortgage application.
  • We will research, review and compare the thousands of mortgage/remortgage products available on the market at any one time and recommend a suitable product to you.  
  • We will provide you with a full written report of our recommendations and the reasons for making those recommendations, in respect of your requirements. 
  • We will NOT proceed until you understand and are happy with the recommendations made.
  • We will look to secure a 'decision in principle' to lend and to obtain the necessary documentation for application.

Stage 2: Application (if we make the application for you)

To complete full application and supporting documentation, to submit our verification/certification (where required) of your affordability and suitability of the mortgage and to confirm to the lender, that we have given advice to you and we consider you acceptable to the lender and meet its lending criteria.  We will deal with your lender, your legal advisers and any other interested parties. 

  • We will arrange all documentation and paperwork for the application, including implementation to offer stage and ensuring you/your legal advisers receive the necessary documentation within reasonable timescales. 
  • We will liase with lenders, agents and solicitors on your behalf to ensure smooth transition from offer to completion and money release.
  • VAT free as majority of works are for intermediation on regulated products.

Fees are discounted up to 25% depending upon how you wish us to work.  There are four low cost, fixed fee options: two options where you pay our fees upfront and two options where only the research fee is required upfront.

50% Procuration Fee Rebate - Some lenders but not all may pay us a procuration fee (similar to commission) on completion of the loan.  We will usually retain 50% of any procuration fee paid to us and 50% will be allocated back to you in the form of refunding any upfront fees already paid to us by you and/or offset against fees outstanding.  By way of example, some lenders pay procuration fees of 2% of the loan e.g.  Loan £50,000, procuration fee £1,000.  £500 would be retained by us and £500 would be allocated to you to pay for any outstanding fees or refunded against fees already paid by you.


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount
Part 1 : Search (Upfront) - £1,320.00
Part 2 : Application (Upfront) - £660.00
2. Non Face to Face Paid On Completion
15% Discount
Part 1 : Search (Upfront) - £1,496.00
Part 2 : Application (Completion) - £748.00
3. Face to Face Paid Upfront
10% Discount
Part 1 : Search (Upfront) - £1,584.00
Part 2 : Application (Upfront) - £792.00
4. Face to Face Paid On Completion
Standard Fee
Part 1 : Search (Upfront) - £1,760.00
Part 2 : Application (Completion) - £880.00
 

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