OUR SERVICES AND HOW WE CHARGE FOR THEM. For any aspect of our services, all actual charges and fees will be fully disclosed to you. We will not charge you until we have discussed your payment options and agreed with you how we are to be paid. We will also let you know if there are any other costs that might arise in connection with the services we provide to you. Our charges/fees will be VAT exempt unless the work we provide for you only involves advice and/or preparing a report, in which case VAT may be applicable. We will always tell you if you have to pay VAT before we undertake any work for you.
OUR SERVICES AND HOW WE CHARGE FOR THEM. For any aspect of our services all actual charges and fees will be fully disclosed to you. We will not charge you until we have discussed your payment options and agreed with you how we are to be paid. We will also let you know if there are any other costs that might arise in connection with the services we provide to you. Our charges/fees will be VAT exempt unless the work we provide for you only involves advice and/or preparing a report, in which case VAT may be applicable. We will always tell you if you have to pay VAT before we undertake any work for you. Mortgage Advice Our mortgage services are designed to provide you with the best mortgage solution for your needs. We advise on mortgage products, this means that we will make a recommendation for you after we have assessed your needs. We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. You can pay for our mortgage services by:
OUR SERVICES AND HOW WE CHARGE FOR THEM. For any aspect of our services all actual charges and fees will be fully disclosed to you. We will not charge you until we have discussed your payment options and agreed with you how we are to be paid. We will also let you know if there are any other costs that might arise in connection with the services we provide to you. Our charges/fees will be VAT exempt unless the work we provide for you only involves advice and/or preparing a report, in which case VAT may be applicable. We will always tell you if you have to pay VAT before we undertake any work for you. Mortgage Advice Our mortgage services are designed to provide you with the best mortgage solution for your needs. We advise on mortgage products, this means that we will make a recommendation for you after we have assessed your needs. We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. We offer mortgages in the non-business and business markets for first charge loans in both markets. We do not offer second charge mortgages. Alternative Finance Options You should note that where we provide services in relation to increased borrowing on an existing mortgaged property there may be alternative options available to you that may be more appropriate. For example, you may be able to obtain a further advance from you existing lender, or obtain an unsecured loan for the additional funds. Where your existing mortgage is a first charge against the property a second charge mortgage may be available and where the existing mortgage is a second charge a first charge loan may be available. You can pay for our mortgage services by:
OUR SERVICES AND HOW WE CHARGE FOR THEM. For any aspect of our services all actual charges and fees will be fully disclosed to you. We will not charge you until we have discussed your payment options and agreed with you how we are to be paid. We will also let you know if there are any other costs that might arise in connection with the services we provide to you. Our charges/fees will be VAT exempt unless the work we provide for you only involves advice and/or preparing a report, in which case VAT may be applicable. We will always tell you if you have to pay VAT before we undertake any work for you. Equity Release Advice Equity release is a way of releasing the wealth tied up in your property. With an equity release scheme you have to be over a certain age (typically over 55) and own your own home. There are two main types of equity release plans on the market – Lifetime Mortgages and Home Reversion Plans. Where you are eligible for equity release we advise on equity release products. This means we will advise and make a recommendation after we have assessed your needs Alternative finance options You should note that where we provide services in relation to increased borrowing on an existing mortgaged property there may be alternative options available to you that may be more appropriate. For example: You may be able to obtain a further advance from your existing lender, or obtain an unsecured loan for the additional funds. Where your existing mortgage is a first charge against the property, a second charge mortgage may be available and Where your existing mortgage is a second charge a first charge loan may be available. If you are looking to take out a retirement interest only mortgage, a lifetime mortgage may be available and more appropriate for you. We offer a comprehensive range of equity release products from across the market. You can pay for our equity release services by: A combination of fee and commission from the equity release provider
OUR SERVICES AND HOW WE CHARGE FOR THEM. For any aspect of our services all actual charges and fees will be fully disclosed to you. We will not charge you until we have discussed your payment options and agreed with you how we are to be paid. We will also let you know if there are any other costs that might arise in connection with the services we provide to you. Our charges/fees will be VAT exempt unless the work we provide for you only involves advice and/or preparing a report, in which case VAT may be applicable. We will always tell you if you have to pay VAT before we undertake any work for you. Mortgage Advice We advise on mortgages for business and non- business purposes. We advise on a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. Our advice will be based on the most suitable mortgage product included within the range available to intermediary firms. If there is a particular mortgage product that you are aware of which is available directly from a lender that you wish us to review and comment on, we are happy to do so. We may charge you a fee for providing advice in relation to this but would agree this with you at the time.
OUR SERVICES AND HOW WE CHARGE FOR THEM. For any aspect of our services all actual charges and fees will be fully disclosed to you. We will not charge you until we have discussed your payment options and agreed with you how we are to be paid. We will also let you know if there are any other costs that might arise in connection with the services we provide to you. Our charges/fees will be VAT exempt unless the work we provide for you only involves advice and/or preparing a report, in which case VAT may be applicable. We will always tell you if you have to pay VAT before we undertake any work for you. Our buy-to-let mortgage services are designed to provide you with the best buy to let mortgage solution for your needs. You can pay for our mortgage services by:
OUR SERVICES AND HOW WE CHARGE FOR THEM. For any aspect of our services all actual charges and fees will be fully disclosed to you. We will not charge you until we have discussed your payment options and agreed with you how we are to be paid. We will also let you know if there are any other costs that might arise in connection with the services we provide to you. Our charges/fees will be VAT exempt unless the work we provide for you only involves advice and/or preparing a report, in which case VAT may be applicable. We will always tell you if you have to pay VAT before we undertake any work for you. Mortgage Advice Our mortgage services are designed to provide you with the best mortgage solution for your needs. We advise on mortgage products, this means that we will make a recommendation for you after we have assessed your needs. We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. Payment Options – Fee Only or a Combination of Fee & Commission Fee Only Our Mortgage advice & implementation fee scale is as follows: • £100 for research and review of options, payable up front; plus • £300 for our recommendation report, payable on receipt of the report; plus • 0.5% implementation fee, payable on receipt of your mortgage offer, subject to a minimum of £350. For example: • For a mortgage of £75,000, you will pay a research and review of options fee of £100 up front and £300 for our recommendation report. If you wish to proceed with the recommendation you will pay a £375 implementation fee making a total of £775. • For a mortgage of £250,000, you will pay a research and review of options fee of £100 up front and £300 for our recommendation report. If you wish to proceed with the recommendation you will pay a £1,250 implementation fee, making a total of £1,650. If your mortgage does not go ahead, you will not receive a refund and all fees liable will be due. Combination of Fee & Commission We may receive commission from the mortgage lender in addition to the fee we have charged you which will be disclosed on the Key Facts Illustrations you will receive relating to your chosen mortgage. We will refund any commission paid to us by the lender to you, or offset your fee with the commission we receive. We will receive a commission from the mortgage lender. If the commission we earn from the lender covers the cost of our fee, no additional fee will be charged to you, however if the commission is less than our fee, we will charge...
OUR SERVICES AND HOW WE CHARGE FOR THEM. ADVICE AND SERVICE CHARGES For any aspect of our services all actual charges and fees will be fully disclosed to you and confirmed in a separate Service Agreement and Remuneration Schedule. We will not charge you until we have discussed your payment options and agreed with you how we are to be paid. We will also let you know if there are any other costs that might arise in connection with the services we provide to you. Our charges and fees are VAT exempt. The way we are paid for our services may depend on the type of advice provided to you and will typically be: Investment and Pension Business Fees agreed and paid by you or via a product provider. Insurance Business Fees agreed and paid by you or commission payable by the insurance provider, which is a percentage of the total annual premium. Our charges fall into the following categories: Initial Charges These are the upfront costs of our services. We offer several types of initial service depending on your needs. Ongoing Charges Once your financial plan is in place it is important to keep it under review so it can be adapted, where necessary, as your circumstances change. Our ongoing services are designed to do this. PENSION AND INVESTMENTS
OUR SERVICES AND HOW WE CHARGE FOR THEM. We advise on mortgage products from the whole of the market. This means that we source the recommended mortgage from the range of mortgages available to intermediary firms. Certain lenders may offer products directly to the public, rather than via an intermediary firm, with more favourable terms. Accordingly our recommendation to you will be based on the most suitable mortgage product incorporated within the range available to intermediary firms. We are not limited in the range of consumer and business buy-to-let mortgages we will consider for you.
