We charge a fee of £495 on application.
We are also paid a commission by some lenders.
The fee is non-refundable when a mortgage application fails due to your non disclosure of material facts or misrepresentation of the facts. The fee is also non-refundable if you decide to pull out after we have applied for the mortgage.
Should the purchase fall through due to no fault on your part, we will carry the fee over for a subsequent application up to an overall maximum of three applications – a fourth application would require the fee to be paid again regardless of the reason for the failure of the first three applications.
If we apply for you and can’t get you a mortgage – even though you have supplied us with all the correct facts – we will refund the fee.
Sometimes the first application fails for reasons neither of us can control - in these circumstances, we would insist on trying again with another lender before we refund a fee; this may mean that the mortgage becomes more expensive than originally hoped should you choose to proceed.
PROTECTION AND HOME INSURANCE
We don't charge any fees for advising on or arranging insurance.
We are paid a commission by the insurance companies for doing this.
The commission we receive will be clearly stated in the illustrations we provide you with.