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Honest Pricing

We’re in this business to do right by you at the lowest possible price. After all, your mortgage shouldn’t cost the earth.

6 keys to our ethical mortgage broking service

  1. Your first contact with us will always be free.
  2. We’re up front about what we charge and what we get paid.
  3. We genuinely care about finding the most suitable mortgage for your circumstances.
  4. We give to charity with every application fee received.
  5. We’re one of the lowest price mortgage brokers in the UK, offering fee-free advice and free Approvals in Principle (AIPs). We also give you cashback at mortgage completion - this means in total, using us will often not cost you anything.
  6. We encourage all our staff to give and save, organising ourselves in a way that doesn’t revolve around chasing profits or excessive salaries.

How our fees work

Application Type

New Customers

Existing Customers

Purchase a proporty

£195

£145

Like for Like Remortgage

£95

£45

Capital Raising / Further Advance

£195

£145

Here are some important and beneficial things to note:

  1. Having submitted the application, we give £45 to , or - you choose.
  2. Application fees are not refundable.
  3. We reserve the right to charge a higher fee for particularly complex cases. We will always let you know in
    advance, and give you the chance to decline our services, if we intend to charge a higher fee.

 

How our cashback works

Mortgage Size

Cashback

under £50k

£0

£50k - £100k

£50

£100k - £200k

£100

£200k - £400k

£200

More than £400k

£400

4. Like for like remortgages are always free – we will refund your initial fee for lower value remortgages.

Why do we charge a fee up-front if we give you cashback later?
It takes skill, time, and persistence to get a mortgage to completion for you. Usually, it takes several months from when we start working for you to when the mortgage is complete. We want to make sure that you’re serious about using us, so think of the upfront fee like a deposit that compensates us for our initial efforts, and then remember that you’ll receive cashback upon completion.

Why do we charge existing customers less?
We want to thank you for your loyalty. Since we already know you, it saves us time, so we pass this saving onto you in the form of reduced fees and charges.

Can you give me an example of how your fees work?
Here’s an example of a first-time buyer looking for a £120,000 mortgage:

  1. Initial consultation and recommendation
    The initial meeting is free. If the buyer, who in this instance is looking for a £120,000 mortgage, is ready to proceed at the end of the meeting, we would research options and provide a recommendation.
  2. Application
    When the first-time buyer has found their new home, we charge £195 to make the mortgage application and follow it through to completion. We give £45 to charity at this point.
  3. Completion and cashback
    On completion, we are paid £360 commission (0.3% of £120,000). We give £100 back to the first-time buyer.

    In total the first-time buyer will have been charged £95, including the £45 charity donation – it’s a simple and ethical way of doing business.