Fees
One fee, paid at the end.
£395 for almost every case, payable on the day you complete. If the purchase or remortgage does not go ahead, for any reason, you owe us nothing.
What each kind of case costs
The same work goes into each; the limited-company fee covers the extra company paperwork.
| Case | Our fee | When |
|---|---|---|
| First-time buyer purchase | £395 | On completion |
| Home mover, including porting | £395 | On completion |
| Remortgage or product switch | £395 | On completion |
| Self-employed or contractor | £395 | On completion |
| Buy-to-let in your own name | £395 | On completion |
| Buy-to-let through a limited company | £595 | On completion |
We charge a fee of £395, payable on completion. We will also receive a commission from the lender, which we will tell you about before you apply.
Why a flat fee?
A percentage fee pays the broker more for a bigger loan. A flat fee means we have no reason to push you towards borrowing more than you need.
Why on completion?
Because that is when you know the work was worth it. Chains collapse and surveys go wrong; we carry that risk, not you.
And the lender's commission?
Lenders pay brokers a procuration fee on completion. It is usually a fraction of a percent of the loan, and we show you the exact amount in writing before you apply.
What the fee covers
Everything from the first call until the day you get the keys, and the reminder six months before your deal ends.
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A twenty-minute call
Income, deposit, what you want to buy and when. By the end we can tell you roughly what lenders will offer.
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We search the market
Around ninety lenders, compared on rate, fees and whether they will actually say yes to your case.
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Agreement in principle
Usually within 48 hours of your documents arriving, so your offer is taken seriously.
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Offer to completion
We package the application, chase the lender and talk to your conveyancer every week until keys.
Broker, bank or online-only?
What you get for the fee, next to the alternatives.
| What you get | Wickbourne | Your bank, direct | Online-only broker |
|---|---|---|---|
| Lenders you can access | Around 90, incl. broker-only lenders | One: its own | 30 to 60, varies |
| Who you deal with | One named adviser, start to finish | Whoever is on shift | A chat window, then a case handler |
| Cost to you | £395, only on completion | Usually nothing | £0 to £999, often up front |
| Complex income | Self-employed, contractors, bonuses | Standard payslips work best | Often referred elsewhere |
| If a lender declines | We go to the next one that fits | You start again elsewhere | Depends on the firm |
| When your fix ends | We call you six months before | A letter from the lender | An automated email |
Nothing to pay until you have the keys.
Book a free twenty-minute call and we will tell you what lenders are likely to offer.
Calls usually booked within one working day. No cost, no obligation.
