Why Do We Charge A Fee?

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Why Do We Charge A Fee?

Mortgages For Professionals with complex incomes through the main high street lenders

High street lenders typically provide more appealing rates, making them the preferred choice for many professionals seeking mortgage solutions. However, navigating the complexities of professional incomes can present challenges in securing loans from these lenders.

Professionals often assume they must seek alternative lenders due to the intricacies of their income streams. Yet, armed with a deep understanding of various payment structures, we confidently facilitate successful mortgage applications with high street lenders.

In fact, a substantial 93.4% of our mortgage applications are seamlessly processed through reputable high street lenders, showcasing our expertise in navigating complex income scenarios.

Services You Will Receive

As part of our enhanced service package, we will also provide the following:

  • Out of hours access to the highly experienced advisors and the Directors of the company
  • Regular updates on your application by email at least every 3 days
  • Technology driven offering such as video conferencing, digital signatures, secure uploading of documents facility and more
  • Proactively, liaising with solicitors and estate agents
  • Assisting with completing Help to Buy applications for you if/when applicable
  • Reduce our Carbon Footprint, we have teamed up with the approved tree planting service, Just One Tree, who will plant 5 trees around the world for each completed mortgage or re-mortgage that we complete!

What is the Fee that We Charge?

We have set our fee to £400. This is only payable once we get you a formal mortgage, offer from a lender. If we cannot get you a mortgage, we guarantee to not charge you a fee.

As well as this, we may also arrange a new rate for you with your current lender. This is commonly known as a product transfer and as there is less work involved in this, we will not charge you a fee.

First Time Buyer Discount

We also acknowledge that being a first-time buyer is both daunting and expensive. So, if either applicant is a first-time buyer, we will reduce this fee by 50% to £200.

Referral Scheme

Finally, for each new client you introduce, if they go on to complete a mortgage through us, we will reduce the fee by £100. Four successful introductions could mean no fee at all! Please ask for more details.