•) We do not always charge a fee for advising on and arranging mortgages and initial
•) consultations are always free of charge with no further obligation to do business
•) through us.

•) Most (but not all) mortgage lenders pay us a marketing allowance once your
•) mortgage has completed. There may also be commission payable to us for any
•) insurance that is required.

•) We do sometimes also charge a fee if the introductory fees/commissions we
•) receive are not sufficient to cover our costs – typically this would be the case for
•) a smaller loan amount (under £150,000) or ‘non standard’ properties. Any amount
•) will be agreed in writing prior to chargeable work commencing. If a fee were to be
•) charged, a typical example would be £495. We do not charge a set fee for every
•) mortgage we arrange (for example, many of our competitors charge a set
•) percentage of the loan amount, perhaps 1%, irrespective of how much they
•) are paid and how complex the case).

•) Being independent we also, if preferred offer the option for clients to pay us a fee
•) for our services (and rebate any payment received from the lender)