Better-Mortgages Fees & Charges for Mortgage, Loan and Insurance Advice

Fees & Charges for Mortgage Advice

We offer three levels of service; Gold, Silver and Bronze.

For the Gold Service our fee is a percentage charge calculated on the size of the loan, but capped to a maximum value. To make sure we give you a truly independent service we pay back all mortgage commission we receive for handling your case. This means we are not dependent on any lender for our income, and we only work for you. For this service level we will research the entire market before making a recommendation.

So although you pay a fee, your net cost is reduced by the commission we pay back to you, and you get a fully independent service. Depending on your specific circumstances, the prevailing market conditions, and the products available in the market, you may get back more commission than the fee you pay us, although this cannot be guaranteed for all circumstances. Not only will you get a good mortgage deal to match your circumstances, but you may come out with some extra cash as well! Please see our Gold Service 'Key facts about our service and costs' document for full details of this service and the pricing structure. It contains examples of the commissions rebate system.

We guarantee that you will get a professional independent mortgage and insurance adviser giving you truly independent advice and working to get you one of the best mortgage, loan and insurance deals in the market. So, why not receive independent professional mortgage advice, and get the commission back at the same time?

If receiving totally independent advice is not as important for you, we also offer our Silver Service for which we charge a smaller fixed fee, but we keep all commission we make from your case. Under some circumstances the cost to you may be cheaper compared to our Gold Service but you won't receive any commission returned to you for your case. To be able to offer this service there is a limitation to the number of lenders we will use in our research. While we use a reasonably comprehensive panel of lenders, it does not cover the entire spectrum of mortgage products available. Please see our Silver Service 'Key facts about our service and costs' document for full details of this service and the pricing structure.

Finally if you are happy to do your own application direct with a high street lender but don't want the hassle of visiting them all to find out which has the best deal for you, then we offer our Bronze Service

For this service we charge a single fixed fee for providing advice only. You make your own application direct to the recommended lender, but we will provide telephone support until you receive your mortgage offer. To be able to offer this service there is a limitation to the number of lenders we will use in our research which will not cover the entire spectrum of mortgage products available. Please see our Bronze Service 'Key facts about our service and costs' document for full details of this service and the pricing structure.

Which ever service you choose, we will give you a professional service no matter how large or small the loan required.

Fees & Charges for Insurance Advice

For insurance advice we charge a fixed fee for advising and arranging some types of complex insurance products such as 'life', and 'critical illness' insurance. We will receive and keep commission from the insurer.

For other types of simpler insurance such as 'buildings and contents', and 'income protection' insurance we do not charge a fee, but we will receive and keep commission from the insurer. This means we cannot say we are truly independent in terms of our insurance advice, but the way insurers pays insurance commissions is administratively complex and so it would be difficult for us to return this money to you.

However, please be assured that we still act wholly on your behalf. We would much rather have a happy customer, who will continue to use our services and recommend us to their family, friends and work colleagues.

Please see our 'Key facts about our service and costs' document for full details of this service and the instances where we may need to make an administrative charge for an insurance case.