Our fees, payable at the point of application
Mortgages
| Application type | New customers | Existing customer |
|---|---|---|
| Advice and Agreements in Principle | £0 | £0 |
| Switch | £0 | £0 |
| Standard | £295 | £245 |
| Specialist | £495 | £445 |
Insurance
| All insurance and protection we arrange for you | £0 |
|---|
Cashback
First-time buyers
Buying your first home can be hard! We love being part of it, so we offer cashback as an incentive, and a thank you.
| Purchase price | Cashback |
|---|---|
| Under £200k | £100 |
| £200k – £400k | £200 |
| £400k + | £300 |
Rate switchers
Looking for a simple rate switch with your current lender? If there are no other changes, we’ll give you 15% of the commission we receive as cashback (as long as that comes to £20 or more). We’ll also give 5% of the commission to charity.
Some examples below, based on a typical commission of 0.2%
| Mortgage size | Cashback | Charity Donation |
|---|---|---|
| £400k | £120 | £40 |
| £200k | £60 | £20 |
| £100k | £30 | £10 |
| £50k | £0 * | £5 |
* Cashback calculation comes to <£20, so none paid
Cashback is paid once we receive commission from a lender – typically one to two months after completion.
In-flight changes
These are changes you ask us to make to your application after it has been submitted, such as applying for a different mortgage product, changing the loan amount, or even the property you’re buying.
If this can be done within the same application:
| 1st change | Subsequent changes |
|---|---|
| Free | £45 |
If it requires a new application, a new fee will be charged, but at the ‘existing customer’ rate.
Why do we charge existing customers less?
We want to thank you for your loyalty. Since we already know you, any future applications are a little quicker, so we pass that saving on to you.