On receiving an enquiry we will discuss with you whether we are able to assist with meeting your needs and objectives. We will also discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary meeting and no obligation on either side.

After the initial consultation we will agree with you whether you pay us a fee, we receive commission or a combination of both. We will always tell you about any commission we earn, and it will be taken into account in working out our fee.

In all cases, if you ask us to arrange a mortgage for you we charge a typical fee of £1,490, typically £495 at the outset and £995 payable on completion of your mortgage product. Alternatively we can receive commission from the lender and reduce the fee.

We may receive commission or charge a fee for Life Assurance, Critical Illness Cover, Income Protection, Building and Contents and Accident Sickness and Unemployment Cover.  This will be down to you after the option is provided.

Whether we take our remuneration by way of commission or fees will be a matter of discussion and agreement, and no charges for fees will be made without prior notification in writing and your consent.