Our Fees and Charges

We offer all clients an initial free consultation meeting.

Should you wish us to use our services our remuneration may be by way of fees, commission, or a combination of both and the basis for our remuneration will be agreed with you at outset. This is our typical charges for the arrangement of the following products and services

Mortgage Advice

For advising and arranging mortgages we will charge a fee of £195. In situations where the chosen lender pays commission this will be received in addition to the fee charged.

Alternatively, you can choose to pay a fee of 1% of the loan amount and any commission received from the lender will be refunded back to you.

Lifetime Mortgages

For advising and arranging lifetime mortgages and other equity release schemes we will take commission from the lender and charge a fee of £495 in addition to the commission received.

Alternatively, you can choose to pay a fee of £1495 and any commission received from the lender will be refunded back to you.

Life Assurance

For advising and arranging life assurance we will take commission from the provider and charge no fees. If you subsequently cease to pay premiums on a policy and in consequence we are obliged to refund commission that has been paid to us, we reserve the right to charge you a fee based on the number of hours spent in advising you and arranging the policy at the hourly rate of £125. But we will not charge any fee if you exercise your right to cancel the policy in accordance with the cancellation notice sent to you by the life assurance company.

Investment and Pension Advice

For advising on investments and pensions we offer 3 options. You can choose a fee option, a combination of commission and fees or a commission only option.

Our fees are charged at £125 per hour. Commission rates vary between the different product types and these will be discussed with you at our initial meeting.

Where commission is taken and you subsequently cease to pay premiums on a contract and in consequence we are obliged to refund commission that has been paid to us, we reserve the right to charge you a fee based on the number of hours spent in advising you and arranging the policy at the hourly rate of £125. But we will not charge any fee if you exercise your right to cancel the contract in accordance with the cancellation notice sent to you by the life assurance company.