Clear. Fair. Agreed in Advance.

Our approach to fees is built around transparency and FCA Consumer Duty principles.
You will always know what you are paying, why you are paying it, and when it becomes due.

How Our Fees Are Determined

Our broker fees are based on two considerations:

1. Loan Size

Larger or more specialist lending arrangements may require additional analysis and structuring.

2. Individual Circumstances

Complex income, specialist lending, adverse history, or company structures may require enhanced advisory work.

Under Consumer Duty, we ensure our fees represent fair value and reflect the level of expertise and work involved.

The exact fee will always be discussed, confirmed, and agreed with you before any chargeable work begins.

Our Consumer Duty Commitment

We apply the FCA’s Consumer Duty throughout our fee structure to ensure:

Fair Value

You only pay fees that reflect the service delivered and the complexity of your case.

Clear Communication

Fees are explained in plain, understandable language with no hidden terms or unexpected charges.

Informed Decision-Making

You receive all relevant fee information before proceeding, allowing you to make confident, well-informed choices.

Good Outcomes

Your financial interests are prioritised, and our fees are designed to support good client outcomes at every stage.

What You Can Expect

Full Disclosure

Every fee will be provided in writing and reconfirmed in your Initial Disclosure Document (IDD), Terms of Business, and Suitability Report.

No Hidden Costs

Only the fees disclosed and agreed with you in advance will apply.

Fair, Proportionate Charges

If your circumstances change, we will reassess any fees under Consumer Duty to ensure they remain fair and appropriate.

Lender Fees

Your chosen lender may charge:

• Product fees

• Valuation fees

• Application or completion fees

These are set by the lender and will be explained clearly before any submission.

Commission Disclosure

We may receive a commission from the lender when your loan completes.
This does not affect your interest rate.
The amount will be fully disclosed in your mortgage illustration (ESIS) and Suitability Report. 

Refunds & Non-Refundable Fees

If a fee is non-refundable, we will explain this before you agree.
Refunds will always be handled in line with Consumer Duty principles of fairness, clarity, and reasonable treatment.

Want a Personalised Fee Illustration?

We can provide a tailored breakdown during your consultation.