Our fees, upfront and in plain sight.
We believe in clear, honest fees — so you always know what you’re paying and why. You’ll receive an individual illustration before you commit.
Insurance
We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.
You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.
Mortgages
For our mortgage advice services we will charge an initial fee of £399. This will be valid for 12 months from the date of your initial full assessment. For a Remortgage we will charge £199 for initial assessment and advice. These fees are not refundable.
Purchase application fee
Application fee will be charged between £299 and £599 for mortgage cases depending on the timescale and complexity of the service. The lower amount will include a simple purchase without additional complexities. The higher amount will be charged in cases such as: Buy-to-let purchase, SPV purchase, Ltd companies, credit score issues, or shared ownership. The fee might be charged again if the application needs to be resubmitted, depending on the circumstances. The fee will be charged on application. Fee is not refundable.
Remortgage application fee
Application fee for a remortgage will be charged between £199–£499 depending on the timescale and complexity of the service. The lower amount will be charged on a simple remortgage without any additional variables. The higher amount will be charged on more complex cases such as: additional borrowing, debt consolidation, or transfer of equity. The fee might be charged again if the application needs to be resubmitted, depending on the circumstances. The fee will be charged on application. Fee is not refundable.
Product transfer
For a Product Transfer we will charge £99 for the application. The fee will be charged on application. Fee is not refundable.
Procuration fee
We will also be paid a procuration fee from the lender.
Smooth Financial Group Ltd is authorised and regulated by the Financial Conduct Authority (FCA Register number 1020251). Registered in England & Wales, company no. 12494038. Your home may be repossessed if you do not keep up repayments on your mortgage.
Any questions about our fees?
Give us a call — we’re happy to explain anything before you commit.