Frequently Asked Questions
FAQ Topics

Who pays a mortgage broker?

A mortgage broker may or may not charge you a fee for arranging your mortgage and will also nearly always receive a commission payment direct from the lender.


Many mortgage brokers do charge fees for mortgage advice and there are also brokers that are ‘fees free’. You shouldn’t find any difference in service etc between them. Specialist mortgage brokers will charge fees as the types of clients they deal with tend to be more complex and therefore require more work. Generally any fee will be requested at the mortgage application stage.


The correct name for this is procuration fee. It is normally a small percentage of the mortgage amount, this figure is confirmed in any mortgage illustration and paid direct to the broker shortly after the mortgage completes. It is important to note that this fee does not make the mortgage payments or interest rate more expensive.

Who gets the money?

Any clients fees and procuration fees will be payable to the broker firm, not the adviser and go towards the cost of running that business. Different mortgage broker firms will have their own way of working and remunerating their employees. The person that provided you with your mortgage advice may receive none of the fees and commission or possibly some of it.


Choosing a mortgage is an important financial decision and it’s easier with someone who’s on your side. We work as a whole of market mortgage broker so that you get the best possible choice of mortgages.



We are perfectly placed to help you find a buy to let mortgage solution that matches your property needs for individuals, families, investors, landlords and Limited Companies.

buy to let mortgages

We are experienced whole of market brokers who can help you get a great holiday let mortgage.

We can also give you access to exclusive schemes and some specialist lenders who don’t deal direct with borrowers. Loans are available to individuals and SPV’s upto 75% and we can help with Scottish properties, mixed use, multi-lets and Airbnb.

Our holiday let mortgage brokers know the lenders and their lending criteria well, enabling us to guide you to the best holiday let mortgage solutions

holiday to let mortgages

Bridging loans are one of the most useful, multi-purpose, types of lending solutions available. You can get a bridging loan approved on almost any property for almost any reason. Great for auction purchases or snapping up a buy to let bargain.

And we can arrange them really fast.

bridging loans

Development finance is designed to help with the purchase and build costs for a residential development project.

Solutions are available for change of use, ground-up projects, refurbishment or major building work and property extensions.

development loans
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