Mortgages

A mortgage is likely to be the biggest financial commitment you’ll make. Because the impact of having the right or wrong mortgage can affect you for many years, the advice of an expert professional can be particularly valuable.

When you receive advice from a Quilter financial adviser, you’ll know they are working solely for you because they are not tied to any specific mortgage provider. This means your adviser is free to source and select mortgage products from the whole market to find the most suitable one for you. During a potentially stressful time, they’ll make your options clear and help with every stage of buying or remortgaging, to make the process easy.

Through our scale and being part of the Quilter Financial Planning Network, many of our customers also benefit from exclusive or special deals that can’t be found elsewhere, meaning we may be able to find you some of the most competitive terms on the market.

How we can help you

You can ask us about a range of mortgage matters, including:

Buying a house for the first time
Getting the right deal for your existing home
Securing an income by renting a property

Using your savings to lower your mortgage
Having peace of mind that your mortgage will stay affordable

It is important to remember that your home may be repossessed if you do not keep up repayments on your mortgage.

How much does it cost?

Service	What does this cover?	Fee amount
Mortgage advice service for residential, consumer buy-to-let or business buy-to-let mortgages.	Advice Mortgage research Recommendation and implementation (application, administration of arranging the loan)	Up to £2,000 (we also receive commission from the lender).

We typically charge 2% of the loan amount. Up to a maximum of £2000. For example, on a loan of £100,000 we would charge £2,000. Any loan value higher than this would still be charged at £2,000.

Fees vary according to individual circumstances and we will agree our fees with you before we undertake any chargeable work. This fee is for advice, research, recommendation and implementation.

Our fee is payable before we do any chargeable work and will be agreed with you prior to starting any work.

You can request to view the commission rates from each of the lenders we have considered at the time that we make our recommendation to you. The amount of commission will vary depending on individual circumstances; the lender and product. The exact amount of the commission will be explained to you before you apply for a loan.

You will receive a mortgage illustration when considering a particular mortgage, which will tell you about any fees relating to it.

If you ask us to refer you to a specialist broker for 2nd charge lending, we will receive a payment from the broker if they arrange a loan for you. The amount of the payment will vary according to circumstances but will typically be up to 4% maximum of the loan amount, subject to a minimum of £500 and a maximum of £2,000.

There is no fee for lifetime mortgages or home reversion schemes. We will be paid commission by the lender only.

There is no fee for the ongoing service we provide for mortgage advice, as we will have been paid commission by the mortgage lender or insurance provider at the start of your mortgage.

Where there is no ongoing service in place, we can provide many services on an ad hoc basis. An additional fee may be required. Please see our terms of business for more details.

How we can help you

How much does it cost?

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