How we are paid

On receiving an enquiry we meet prospective clients for a preliminary meeting. The purpose of the meeting is firstly to establish whether we are able to assist with the prospective client's needs and objectives, and secondly to discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary meeting and no obligation on either side.

After the initial no-cost consultation, we will agree with you how you pay us the cost of any advice and implementation of this advice. We will always tell you about any commission we earn (if there is any), and it will be taken into account in working out our fee.

We have found that most clients prefer the transparency and simplicity of agreeing a fixed charge for our services up-front, this could be paid from any product arranged or direct by clients. This option avoids any concern about levels of commission influencing advice and gives complete peace of mind whatever the need for planning you have.

Whether we take our remuneration by way of commission or fees will be a matter of discussion and agreement, and no charges for fees will be made without prior notification in writing.

If you ask us to arrange a mortgage for you we can be paid by either commission or a fee. If you choose to pay us a fee, this will typically be 0.45% of the loan amount, subject to a minimum of £300.