Tel 01253 675711
We will be happy to discuss your mortgage requirements and offer guidance and advice without charge. This can be either online, at our offices or within reason at your home or place of work.
We will together make an initial assessment to see if what you are proposing is realistic and feasible. There is normally no cost for this service.
From there we give you some idea's of what's available and an estimate of costs, if you want us to move on to decision in principle stage with a lender then the fee becomes due then. You must be aware that at that stage the case could still fail. most estate agent required a decision in principle before submitting an offer to the vendor.
If you instruct us to proceed to ur standard mortgage arrangment fee is £395 of which £95 is payable once you instruct us. The remainder (£300) is due on completion. Neither fees are refundable.
There is generally no fee for term and Life assurance, (including critical illness, non-profit whole of life, income protection, private medical insurance, payment protection, buildings and contents).
There can be fees to be additional to this from the lender and these will be set out in your illustrations.
Valuation Fees. These can vary depending on the type o survey you opt for, the more comrehensive the more it will cost. See more
Stamp Duty You usually pay Stamp Duty Land Tax (SDLT) on increasing portions of the property price above £125,000 when you buy residential property, for example a house or flat. See more
Legal Fees. You’ll normally need a solicitor or licensed conveyor to carry out all the legal work when buying and selling your home. Legal fees are typically £850-£1,500 including VAT at 20%. See more
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.You will be under no obligation to arrange Insurance, mortgage or any other financial product through us. We are not tied to any specific lender, life assurance company or insurance company. We can research a large section (but not all) across the market place for the most competitive Financial Services and to meet your individual requirements.