We offer a simple fixed fee service, where we charge a single fee irrespective of the size of the loan you require, but we also give you any commission we receive from the lender back to you. This means we are not dependent on any lender for our income, and we only work for you. For this service 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 and requirements, 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 '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?
For insurance advice we do not charge a fee. 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 can be 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 our insurance service.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.