Upon your initial enquiry, we will make contact with you inviting you into our office or if you prefer our discussion can be on the telephone. The purpose of this initial meeting/discussion is to establish whether we are able to assist you with your financial needs and objectives and secondly to discuss how we would be paid for our services should you wish to instruct us to proceed. There is no charge or this preliminary meeting/discussion and there is no obligation on either side.
For residential mortgage, consumer buy to let and business buy to let mortgages and for business loans.
We charge a fee of £499. This fee is for advice, research, recommendation, implementation (e.g. application, administration of arranging the loan). Our fee is payable before we do any chargeable work and is non-refundable. We will also be paid by commission from the lender.
For Life Assurance, Critical Illness, Income Protection, Accident Sickness & Unemployment, Home Insurance and Private Medical Insurance.
We do not charge a fee as we will be paid by a commission from the product provider.
Your home may be repossessed if you do not keep up repayments on your mortgage.
For ongoing service.
There is no fee for the following level of service, as we will have been paid commission from the mortgage lender or insurance provider at inception of your mortgage or protection plans.
Communication - In order to provide you with a high quality service we may want to contact you regarding items we consider are of interest to you, or to make you aware of new opportunities. If this happens, we would like to contact you.
Protection - It is important to ensure your current protection plans and provisions remain in line with your objectives. If you wish, we can review this once a year with you.
Mortgages - If we do not review your borrowing, you may end up paying more than you need to for your loans. We aim to contact you before any special terms of your mortgage expire. Ideally this will be 6 months beforehand. We encourage you to contact us should your financial circumstances change in the meantime.
You can if you wish to add or enhance this level of service for an agreed fee, details available upon request.
We will always tell you about any commission that we earn. Commissions are paid to an adviser by a product provider (e.g. Insurance Company) or mortgage provider, for the successful placement of business with them. This commission is included within the product provider's normal product charges, so there is nothing further you would need to pay us. The amount of commission is usually based on a percentage of the premiums paid or the advance applied for.
Please see our Terms of Business document for more information. (click here)