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How we are paid
Initial Consultation
We offer up to 1 hour's complementary consultation to assess how we can help you, based upon your individual circumstances and personal objectives. At this meeting we will discuss the service propositions we offer and agree how you wish us to proceed.
If at the end of the initial consultation, you wish us to act on your behalf, a research fee will become payable. This is to cover the initial work we conduct in assessing your requirements and providing our recommendations. This fee is £300 but will be waived if our recommendations are subsequently adopted by you.
The costs for investing with a specific provider or fund manager will be confirmed in writing to you. These will vary depending on the actual funds selected. Our fees will depend on the type of service you require.
Investment Fees
If the agreed strategy is adopted and involves single or regular premiums in new financial products or additional single or regular premiums to existing products (both pensions and investments), our client agreement details the fees we apply. A minimum initial investment fee of £300 applies in all instances. For advice and consultations which do not attract initial investment fees, all work will be charged on a time cost basis - currently £150.00 per hour for Directors and Senior Associates and £75.00 per hour for Administration Staff.
Mortgage & Insurance Fees
For mortgages,we offer the choice of either fee based advice, or for us to receive a commission from the lender. If we charge a fee, £100 is payable at outset and the balance of our fee payable on completion of your loan. The total fee charged is a maximum of 0.5% of your loan. For example – a mortgage arranged for £100,000 will result in an initial fee of £100 and a balance of £400 when your mortgage is completed. The minimum fee charged is £400. If you elect to pay for our services via commission from the lender, the amount will be confirmed to in writing to you prior to applying for the mortgage.
There are no fees for arranging insurance contracts as we will normally be paid commission by the provider. Any commission paid will be confirmed in writing prior to completing any applications.
Your home may be repossessed if you do not keep up repayments on your mortgage.