Services and Charges

A full suite of financial services to suit your future goals

We offer a comprehensive range of mortgage and insurance services to both individuals and companies.

Our main mortgage services include:

  • Residential mortgages
  • First-time buyer mortgages
  • Buy-to-let mortgages
  • Equity release mortgages
  • Commercial mortgages

Our main insurance services include:

  • Life insurance
  • Critical illness insurance
  • Income protection insurance
  • Business protection insurance

For a large number of clients we see, the initial appointment is as much about you finding out about our firm as it is for us to find out more about you. For this reason, all of our face-to-face meetings are without obligation.

We understand in most instances, you want to meet your adviser and tell us what it is you are looking to do. We listen, take time to establish exactly how we can help you, and then make sure you are comfortable with the process.

Should you decide to proceed with the advice we give, our indicative charges are below;

You can pay for our mortgage services by:

  • No Fee. We will be paid by commission from the lender. We will not refund you any commission paid to us by the lender.

Paying by commission from the lender (where available)

The exact amount of commission we will receive is not known to us at this stage. We will confirm the actual amount to you as part of the lending illustration (Key Facts Illustration/European Standardised Information Sheet ESIS) we are required to obtain from the lender.

If we are paid commission by one or more mortgage lenders, you have the right to request information on the levels of commission we will receive from different lenders in relation to any mortgage product recommended.

You will receive a Key Facts Illustration/European Standardised Information Sheet when considering a particular mortgage which will tell you about any fees relating to it. You also have the right to request an illustration/ESIS for any mortgage we offer.

We offer an initial consultation without obligation. There will be a £500 fee for our equity release service, which is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose a fee only option and receive any commission which we are paid by the lender. The precise amount will depend upon your circumstances but we estimate that it will be £500 plus 1% of the amount borrowed.

You can pay for our mortgage services by:

  • No Fee. We will be paid by commission from the lender. We will not refund you any commission paid to us by the lender.

Paying by commission from the lender (where available)

The exact amount of commission we will receive is not known to us at this stage. We will confirm the actual amount to you as part of the lending illustration (Key Facts Illustration/European Standardised Information Sheet ESIS) we are required to obtain from the lender.

If we are paid commission by one or more mortgage lenders, you have the right to request information on the levels of commission we will receive from different lenders in relation to any mortgage product recommended.

You will receive a Key Facts Illustration/European Standardised Information Sheet when considering a particular mortgage which will tell you about any fees relating to it. You also have the right to request an illustration/ESIS for any mortgage we offer.

No fee for advising on and arranging non-investment insurance contracts.

Plan ahead for your future. Find out more about our range of financial services.