Transparent Financial Advice Fees
We believe you should know exactly what you will pay before any work begins. All fees are confirmed in writing upfront — no hidden charges, no surprises. The initial consultation is always free with no obligation.
Mortgage & Insurance Fees
We are independent mortgage advisers. We consider all lenders available to intermediaries and recommend a suitable mortgage following a full assessment of your needs, circumstances and affordability — not based on which lender pays the highest commission.
Mortgage advice fee
Complex case supplement
An additional £350 (non-refundable) is payable on a successful Decision in Principle where the case involves any of the following:
- Adverse credit (CCJs, defaults, missed payments)
- Debt consolidation
- Second charge mortgages
- Portfolio buy‑to‑let (4 or more properties)
Protection and insurance fees
We do not charge a fee for protection or general insurance advice. We receive commission from the insurer once your policy is placed on risk. This is always disclosed to you in full before you proceed and never influences our recommendation — we advise based on suitability, not commission level.
For non-investment protection (life insurance, critical illness, income protection) and general insurance (home insurance, ASU cover), we act on your behalf based on a fair analysis of the market.
Refund of fees
No refund is provided where:
- You fail to disclose material information and the lender rejects the application
- You choose not to proceed after we have made a recommendation
Cancellation rights
Full details of your cancellation rights will be provided before you enter into any protection or insurance contract.
Financial Advice Fees — Pensions & Investments
Our charges for pension and investment advice combine a fixed fee for analysis and recommendation with a percentage-based fee for arranging or transferring your money. All fees are confirmed in writing before you commit to proceeding.
Step 1 — Financial review & written recommendation
This step covers:
- Gathering information about your circumstances and existing arrangements
- Assessing your investment knowledge, risk attitude and capacity for loss
- Recommending a suitable asset allocation model
- Reviewing suitability of existing pension and investment holdings
- Preparing a personalised written recommendation report
- Follow‑up meeting to discuss our recommendations
Step 2 — Policy arrangement & implementation
| Service | Fee |
|---|---|
| Percentage of investment or transfer amount | 0.5% |
| Pension switching (per switch) | £250 |
| Annuity purchase (first two) | £250 each |
| Each additional annuity | £250 |
| Maximum total fee (Steps 1 + 2 combined) | £10,000 |
Step 1: £1,000
Step 2: 0.5% × £100,000 = £500
Total: £1,500
Step 1: £1,000
Step 2: 0.5% × £300,000 = £1,500 + £250 switch = £1,750
Total: £2,750
Step 1: £1,000
Step 2: 0.5% × £250,000 = £1,250 + (3 × £250) = £2,000
Total: £3,000
Ongoing Advice Fees
Our ongoing service provides regular reviews, continuous access to a Chartered Financial Planner and proactive management of your financial plan as your circumstances, legislation and markets change.
What is included
- Annual financial review meeting
- Review of your needs, objectives and personal circumstances
- Risk attitude and capacity for loss reassessment
- Tax and legislative impact review
- Suitability review of your investments and pensions
- Written personal recommendation following review
- Access to a Chartered Financial Planner throughout the year
- Ongoing administration and servicing support
- Regular investment and market updates
Fee structure
Fees rise and fall with portfolio value. You may pay directly or via product deduction. Monthly payments are available.
0.8% × £200,000 = £1,600 per annum (£133/month)
£400,000 × 0.8% = £3,200
£350,000 × 0.6% = £2,100
Total: £5,300 per annum (£442/month)
£400,000 × 0.8% = £3,200
£600,000 × 0.6% = £3,600
£200,000 × 0.25% = £500
Total: £7,300 per annum (capped at £9,000 maximum)
Cancellation
You may cancel the ongoing service at any time by providing written notice. Payments cease within 7 business days of notice being received (or after any due proportion of the current period).
Have a question about our fees?
We are happy to talk through our fee structure before you commit to anything. The initial consultation is free and carries no obligation whatsoever.
Book a free initial callNo obligation · No cost · In person or by video call
Important Information
The information on this page is for information purposes only and does not constitute individual financial advice. All fees stated are subject to written confirmation before any work begins.
The value of investments may fall as well as rise. You may get back less than you originally invested. Past performance is not a reliable indicator of future results.
Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change; therefore, the tax treatment of pension benefits can and may change in the future.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.