We offer advice on a range of different first charge mortgage products which allows us to help first-time buyers, people moving house, those wanting to re-mortgage and many other scenarios.
We also offer advise on a range of insurance products including life insurance, critical illness insurance and home insurance.
Mortgages
We will charge a fee of between 0% and 2.00% of the mortgage amount payable on completion. This fee will charge is dependent on the amount of the research and administration that is required. The total fee shall not exceed 2.00%.
We will receive commission from the lender in addition to the fees you pay. For example if your mortgage is for £100,000, there will be a total charge of between £0 and £2,000 if your mortgage completes which equates to 0%-2.00% of the loan. Similarly, if your mortgage is for £40,000, there will be a total charge of between £0-£800.00 if your mortgage completes, which equates to £0-2.00% of the loan.
You will receive a mortgage illustration when considering a particular mortgage, which will tell you about any fees relating to it.
We do not offer refunds, as the fee is payable on completion of your mortgage.
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.
We provide an advised service. This means that we will assess your needs and make a personal recommendation for each of the mortgage and / or insurance areas in which you have asked us to provide a service.
We act for you and not the insurer or the mortgage lender in connection with the services we provide.
Our advice is based on your circumstances at the time the advice is given.
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Yes! Life insurance is one of the many different types of insurance products we can advise you on. Get in touch for more information.
You can call us on 07530 011 644 or email: steven@castlems.co.uk