The Costs of our Service We charge a fixed fee of £1,100 for providing advice and submitting your lifetime mortgage application. The fee is reflective of the initial work carried out to gather your personal information, review your documents, research the market, considering vulnerability and presenting my recommendations to you with a report. I act as a single point of contact and support for you throughout the advice process. The fee becomes payable prior to any application being submitted. This may include adding the fee to the borrowing in exceptional circumstances and only by agreement. We will receive and retain any commission paid by the lender when your mortgage completes. This amount will be confirmed by the lender in their disclosure document. Should you wish, 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.
 
Refund of fees
Please note our fee will still be charged should the lender reject your application due to you not disclosing any material information about your personal situation. It should also be noted we do not provide a refund should you decide not to proceed with the loan after we have made a recommendation to you. Should your lifetime mortgage not complete for any reason you will still be liable for our fee, and we will invoice you for this immediately we receive confirmation the lifetime mortgage application is not proceeding, unless your application is submitted to a different lender, as in these circumstances our fee will be rolled over.

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