Common use of OUR SERVICES AND HOW WE CHARGE FOR THEM Clause in Contracts

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 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: 1. A fee 2. Commission from the mortgage lender (where this is available) 3. A combination of fee and commission from the mortgage lender We may charge a fee which will be fully disclosed prior to it being incurred, the amount of which will be dependent upon the circumstances of the application. We may also receive commission from the mortgage lender in addition to the fee we have charged you which will be disclosed on the Key Facts Illustration(s) you will receive relating to your chosen mortgage. No fee is charged directly to you for our mortgage services. We will receive a commission from your chosen mortgage lender. The amount we receive will be disclosed on the Key Facts Illustrations you will receive relating to your chosen mortgage. You will receive a key facts illustration when considering a particular mortgage which will tell you about any fees relating to it. • A full refund if we have not carried out any research/processing on your behalf. • No refund if we have carried research/ product options and sourced a suitable mortgage provider 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.

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 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 are not limited in the range of mortgages we will consider for you. We offer mortgages in the nonbusiness and business markets and first charge and second charge loans, in both markets. 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 across your existing lender, or obtain an unsecured loan for the marketadditional funds. Where your existing mortgage is a first charge against the property, but not deals that you can only obtain by going direct to a lendersecond 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: 1. A by a fee 2. Commission from the mortgage lender (where this is available) 3. A , or a combination of fee and commission from the mortgage lender lender. We may charge a fee which of £250.00 at outset for mortgage sourcing research. A further fee of 0.5% of the mortgage amount will be fully disclosed prior to it being incurred, the amount charged when we submit an application on your behalf. For example: • For a mortgage of which £100,000 our fee will be dependent upon £500 + £250 = £750 • For a mortgage of £150,000 our fee will be £750 + £250 = £1000 • For a mortgage of £200,000 our fee will be £1000 + £250 = £1250 In addition to the circumstances of the application. We fee we charge you, we may also receive commission from the mortgage lender in addition to the fee we have charged you lender, which will be disclosed on the Key Facts Illustration(s) Illustration / European Standardised Information Sheet you will receive relating to your chosen mortgage. No We will refund any commission paid to us by the lender to you, or offset your fee with any commission we may receive. • Commission = £350 • £250 + £750 (0.5% of £150,000) - £350 = £650 • £650 is charged directly to you We charge a fee of £250.00 payable at outset for our mortgage servicessourcing research. We If we submit a successful mortgage application on your behalf we will also receive a commission from your chosen mortgage the lender. The amount we receive will be disclosed on the Key Facts Illustrations you will receive relating to your chosen mortgage. You will receive a key facts illustration Key Facts Illustration / European Standardised Information Sheet when considering a particular mortgage which will tell you about any fees relating to it. • A full refund Our advised protection planning services are suitable if we have not carried out any research/processing you are looking for the best way to protect you, your family or your business through products such as critical illness cover, health insurance and life cover. We are an Insurance Intermediary and act on your behalf. • No refund if Where we have carried research/ provide advice on protection contracts including life insurance, critical illness and income protection this will be based on a fair and personal analysis of the market. You can pay for our advised protection services by Commission (where this is available) payable by the product options and sourced provider, which is a suitable mortgage provider If percentage of the annual premium Where we are paid by commission by one or more mortgage lenderswe will tell you the amount before we carry out any business for you. Although you may pay nothing to us up front that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product. In respect of any regular premium policy which we have arranged for you, should you have subsequently cease to pay premiums on the policy and in consequence we are obliged to refund the commission that has been paid to us, we reserve the right to request information on charge you a fee representing the levels amount we have to repay, for a period of commission up to four years after commencement of the policy. We will confirm the exact amount that will need to be repaid by you and the timescale over which it will need to be repaid in the suitability report we will receive from different lenders send you when a recommendation is made. We will not charge any such fee if you exercise your right to cancel in relation accordance with any cancellation notice sent to any mortgage product recommendedyou by the life insurance company.

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. 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: 1. A fee 2. Commission from the mortgage lender (where this is available) 3. A combination of fee and commission from the mortgage lender We may charge a non-refundable commitment fee which of £295 plus 0.3% of the amount to be borrowed under your mortgage. For example: • For a mortgage of £75,000 our fee will be fully disclosed prior to it being incurred, the amount £295 + £225 = £520 • For a mortgage of which £100,000 our fee will be dependent upon the circumstances £295 + £300 = £595 • For a mortgage of the application. We may also receive commission from the mortgage lender in addition to the £200,000 our fee we have charged you which will be disclosed on £295 + £600 = £895 We will refund any commission paid to us by the Key Facts Illustration(s) you will receive relating to your chosen mortgage. No fee is charged directly lender to you or offset your fee with the commission we receive. Our charge for our mortgage servicesservices is £295 plus 0.3% of the amount to be borrowed payable when you apply for a mortgage. We will receive a commission from your chosen the mortgage lender. The amount If the commission we receive earn from the lender covers the cost of our fee, no additional fee will be disclosed on charged to you, however if the Key Facts Illustrations commission is less than the cost of our fee we will charge you will receive relating a fee to your chosen mortgagemake up the difference. • Commission = £350 • £295 (our commitment fee) + £300 (0.3% of £100,000) = £595 - £350 (Commission) = £245 • £245 is charged directly to you You will receive a key facts illustration mortgage Illustration when considering a particular buy-to-let mortgage which will tell you about any fees relating to it. • A full partial-refund if we have not carried out any research/processing on your behalf. The £295 commitment fee is non-refundable. • No refund if we have carried out credit searches/research/ product options and sourced a suitable mortgage provider 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 recommendedprovider.

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 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 Our Mortgage advice & implementation fee scale is as follows: • £100 for research and review of options, payable up front; plus • £300 for our mortgage services by: 1. A fee 2. Commission from the mortgage lender (where this is available) 3. A combination of fee and commission from the mortgage lender We may charge a fee which will be fully disclosed prior to it being incurredrecommendation report, the amount of which will be dependent upon the circumstances payable on receipt of the applicationreport; 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. We may also receive commission from the mortgage lender in addition to the fee we have charged you which will be disclosed on the Key Facts Illustration(s) you will receive relating to your chosen mortgage. No fee is charged directly to you for our mortgage services. We will receive a commission from your chosen mortgage lender. The amount we receive 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 you a fee to make up the difference. • £100 research & review • £300 recommendation report • £500 implementation (£100,000 x 0.5%) • Commission = £350 • £900 - £350 = £550 • £550 is charged directly to you You will receive a key facts illustration when considering a particular mortgage which will tell you about any fees relating to it. Our advised protection planning services are suitable if you are looking for the best way to protect you, your family or your business through products such as critical illness cover, health insurance and life cover. We advise on non-investment protection products e.g. term assurance, income protection and critical illness from a range of insurers. Our Protection advice & implementation fee scale is as follows: • A full refund if we have not carried out any research/processing £100 for review of existing arrangements (per contract), payable up front; plus • £300 for our recommendation report, payable on receipt of the report; plus • An implementation fee of 150% of the annual premium, payable on receipt of your behalfacceptance terms, subject to a minimum of £100. For example: • No refund if we have carried research/ For a term assurance product options and sourced with a suitable mortgage provider If we are paid commission by one or more mortgage lendersmonthly premium of £15, you have would pay a review of existing arrangements fee of £100 up front (if applicable) and £300 for our recommendation report. If you wish to proceed with the right to request information on the levels recommendation you will pay a £270 implementation fee, making a total of commission we will receive from different lenders in relation to any mortgage product recommended£670.

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. 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: 1. A fee 2. Commission from the mortgage lender (where this is available) 3. A combination of fee and commission from the mortgage lender We may charge a non-refundable commitment fee which of £295 plus 0.3% of the amount to be borrowed under your mortgage. For example:  For a mortgage of £75,000 our fee will be fully disclosed prior to it being incurred, the amount £295 + £225 = £520  For a mortgage of which £100,000 our fee will be dependent upon the circumstances £295 + £300 = £595  For a mortgage of the application. We may also receive commission from the mortgage lender in addition to the £200,000 our fee we have charged you which will be disclosed on £295 + £600 = £895 We will refund any commission paid to us by the Key Facts Illustration(s) you will receive relating to your chosen mortgage. No fee is charged directly lender to you or offset your fee with the commission we receive. Our charge for our mortgage servicesservices is £295 plus 0.3% of the amount to be borrowed payable when you apply for a mortgage. We will receive a commission from your chosen the mortgage lender. The amount If the commission we receive earn from the lender covers the cost of our fee, no additional fee will be disclosed on charged to you, however if the Key Facts Illustrations commission is less than the cost of our fee we will charge you will receive relating a fee to your chosen mortgagemake up the difference.  Commission = £350  £295 (our commitment fee) + £300 (0.3% of £100,000) = £595 - £350 (Commission) = £245  £245 is charged directly to you You will receive a key facts illustration mortgage Illustration when considering a particular buy-to-let mortgage which will tell you about any fees relating to it. •  A full partial-refund if we have not carried out any research/processing on your behalf. • The £295 commitment fee is non-refundable.  No refund if we have carried out credit searches/research/ product options and sourced a suitable mortgage provider 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 recommendedprovider.

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 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: 1. A fee 2. Commission from the mortgage lender (where this is available) 3. A combination of a fee and commission from the mortgage lender We may Our charge for our mortgage services is £495 payable when you apply for a fee which will be fully disclosed prior to it being incurred, the amount of which will be dependent upon the circumstances of the applicationmortgage. We may will also receive a commission from the mortgage lender in addition to the fee we have charged you which lender, as will be disclosed on the Key Facts Illustration(s) you will receive relating to your chosen mortgage. No fee is charged directly to you for our mortgage services. We will receive a commission from your chosen mortgage lender. The amount we receive will be disclosed on the Key Facts Illustrations you will receive relating to your chosen mortgageillustrated. You will receive a key facts illustration when considering a particular mortgage which will tell you about any fees relating to it. • A full refund if we have not carried out any research/processing on your behalf. • No refund if we have carried out credit searches/research/ product options and sourced a suitable mortgage provider If Our advised protection planning services are suitable if you are looking for the best way to protect you, your family or your business through products such as critical illness cover, health insurance and life cover. We advise on non-investment protection products e.g. term assurance, income protection and critical illness from a range of insurers. Commission Where 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 tell you the amount before we carry out any business for you. Although you may pay nothing to us up front that does not mean that our service is free. You still pay us indirectly through deductions from different lenders in relation to any mortgage product recommendedthe amount you pay into your product.