Terms of Business
- No fee is charged for standard residential mortgage applications.
- A fee ranging from £299 to £499 applies depending on the complexity and lender involved.
- A fee ranging from £499 to £999 is charged based on the scale and structure of the loan.
- A fee of £500 is payable upon completion of the mortgage. We will also be paid commission from the lender. This fee generally applies to standard mortgages.
- A fee of 1% of the mortgage loan is payable upon completion, subject to a minimum fee of £1,000. This means that on a mortgage of £50,000 a fee of £1,000 is payable upon completion. As a comparison, on a loan of £200,000 a fee of £2,000 is payable upon completion. We will also be paid a commission from the lender.
- Costs such as the valuation are payable by you the client at outset. (A full list of costs will be provided at outset). A flat fee of £995 is payable upon completion. We will also be paid a commission from the lender. This fee generally applies to standard second charge loans.
- Costs such as the valuation are payable by you the client at outset. (A full list of costs will be provided at outset). A flat fee of £1495 is payable upon completion. We will also be paid a commission from the lender.
- A fee of 1% of the mortgage loan is payable upon completion, subject to a minimum fee of £1,000. This means that on a mortgage of £50,000 a fee of £1,000 is payable upon completion. As a comparison, on a loan of £200,000 a fee of £2,000 is payable on completion. We will also be paid a commission from the lender.
- Our normal ways of communicating with you are by telephone, post, e-mail, SMS text message or in person. Our communications will be in English.
- We may ask you to confirm your instructions to us in writing as this helps to avoid any future misunderstandings.
- To ensure we carry out your instructions accurately, to help us to continually improve our service and in the interests of security, we may record and may monitor your telephone communications or conversations with us.
- Copies of our telephone recordings will be available on request, for a period of 5 years after the recording was made.
- To provide our services properly we’ll need to collect information about your personal and financial circumstances. We take your privacy seriously and will only use your personal information to deliver our services.
- We may include as part of your personal information, basic information such as name and age of any dependants under the age of 16. Any dependant over the age of 16 will be required to give their own consent.
- Processing of your personal data is necessary for the performance of our contract for services with you. Generally, this is the lawful basis on which we intend to rely for the processing of your data. (Please see the reference to special categories of data below). Our policy is to gather and process only that personal data which is necessary for us to conduct our services appropriately with you.
- We adopt a transparent approach to the processing of your personal data. Sometimes, we may need to pass your personal information to other organisations. If you apply to take out a financial product or service, we’ll need to pass certain personal details to the product or service provider.
- We may engage the services of third-party providers of professional services in order to enhance the service we provide to you. These parties may also need to process your personal data in the performance of their contract with us. Your personal information may be transferred electronically (e.g. by email or over the internet) and we, or any relevant third party, may contact you in future by what we believe to be the most appropriate means of communication at the time (e.g. telephone/ email /letter etc.).
- The organisations to whom we may pass your details also have their own obligations to deal with your personal information appropriately. Sometimes a product or service may be administered from a country outside Europe. If this is the case, the firm must put a contract in place to ensure that your information is adequately protected.
- We will issue you with our Privacy Notice. This is a separate document which provides more information about the nature of our personal data processing activities and includes details of our retention and deletion policies as well as your rights of access to the personal information that we hold on you.
- As part of this agreement we’ll ask you to consent to the transfer of personal information in accordance with the protections outlined above.
- Special categories of personal data: there are certain categories of personal data that are sensitive by nature. The categories include: data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership and data concerning health. Depending on the nature of the products and services that you engage us for we may need to obtain your sensitive personal data particularly in relation to health. Our policy is that should we require any special category of personal data we will only gather this with your explicit consent.
- If you are concerned about any aspect of our privacy arrangements, please speak to us.
- A fee of 1% of the mortgage loan is payable upon completion, subject to a minimum fee of £1,000. This means that on a mortgage of £50,000 a fee of £1,000 is payable upon completion. As a comparison, on a loan of £200,000 a fee of £2,000 is payable on completion. We will also be paid a commission from the lender.
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