How we are paid

Mortgages

We usually receive a fee from the lender.

Depending on the complexity of the mortgage we may also charge an arrangement fee. This will always be agreed up front and confirmed in the Initial Disclosure Document and the Key Features Illustration.

Our fee structure is flexible and we will discuss this with you in advance of any mortgage application.

Insurance

We do not charge fees for arranging insurance policies. We are paid a commission by the receiving Insurance Company.

Advice is also available on a fee basis whereby all commission is waived to either reduce the commission or overall terms being provided. Any fee structure will be agreed in advance and will be based on an hourly fee. In such cases we will provide an estimate of the amount of work involved and the approximate cost. Our standard hourly rate is charged at £165 per hour.

Investments

For pure Investment advice, we only offer advice on a fee basis. Any fee structure will be agreed in advance and is based on an hourly fee. In such cases we will provide an estimate of the amount of work involved. Our standard hourly rate is charged at £165 per hour.