Expert mortgage advice.
Fee-free for standard cases.*
Here is how the fee position works, when a fee may apply, and the questions worth asking before you start.
*A fixed fee of £345 may apply where a case needs significantly more work. Any applicable fee will be explained before work starts.
The honest truth about mortgage broker fees
Hi, I'm Rob. I run Lynton Mortgages from Alsager, and I help first-time buyers and people remortgaging across Cheshire.
One of the first questions people ask me is: "How much do you charge?" And I completely understand why. When you're buying your first home or remortgaging, every pound matters. The last thing you need is a surprise bill from your mortgage broker.
So let me be upfront: fee-free advice may be available for standard cases. A fixed fee may apply where a case needs significantly more work. I will explain any applicable fee before work starts.
Important information: Fee-free advice may be available for standard mortgage cases. A fixed fee of £345 may apply where a case involves significantly more work, such as complex income structures or unusual property types. Any applicable fee will be explained before work starts. Your home may be repossessed if you do not keep up repayments on your mortgage.
But I also want to be honest with you — because that's kind of my thing. There are some situations where a fee does apply, and I think it's important you understand the full picture before we start. So let me explain exactly how it all works.
How fee-free mortgage advice works
It's simpler than you might think. Here's the short version.
You come to me for advice
You tell me about your situation — what you're looking for, what you can afford, and what matters to you. I review a comprehensive panel of lenders and recommend a mortgage that suits your needs.
I arrange your mortgage
Once we have identified a suitable mortgage, I handle the application, chase the lender, deal with the paperwork, and keep you updated every step of the way until completion.
The lender pays me
When a mortgage completes, Lynton Mortgages may receive a commission from the lender (called a procuration fee). The commission disclosure is included in the documents provided before you proceed.
That's it. You get expert advice, I get paid by the lender, and for standard cases you don't pay a broker fee. It's a model that works for everyone.
When does a fee apply?
I believe in being completely transparent. Here's the full picture.
Fee-free
Fee-free advice may be available for standard cases.
- First-time buyers with straightforward circumstances
- Remortgages (switching to a new deal)
- Home movers with standard income and circumstances
- Product transfers (staying with your current lender)
£345 fixed fee
A small number of cases involve significantly more work.
- Complex income structures that need extra research
- Unusual property types requiring specialist lenders
- Cases that require significantly more time and research
Important: I will explain any applicable fee before work starts so you can decide whether you want to proceed.
What to ask before you choose a broker
Ask how the service works, the range of lenders considered, whether a fee could apply, how commission is disclosed and what support you will receive during the application.
Lynton Mortgages will explain its service scope, fees and commission disclosure before you proceed.
Why I choose to work this way
For standard cases, I may not charge a client fee. Where a case needs significantly more work, a fixed fee may apply and I will explain it before work starts.
When someone is buying their first home, they're already dealing with deposits, solicitors' fees, surveys, and stamp duty. The last thing they need is another bill. I want people to feel comfortable picking up the phone and asking for help, without worrying about what it's going to cost them.
Where mortgage advice is needed, I review a comprehensive lender panel and explain the fee and commission position in the documents provided before you proceed.
You don't have to use the estate agent's mortgage advisor
This is something a lot of first-time buyers don't realise. When an estate agent shows you a property, they'll often suggest you speak to "their" mortgage advisor. It can feel like it's part of the process, or even a requirement.
It isn't. You are completely free to choose your own mortgage broker. The estate agent cannot make it a condition of your offer, and they cannot refuse to deal with you because you've chosen someone else.
Estate agents' in-house advisors may charge fees and may have a more limited range of lenders. You are free to choose your own broker and compare the service and fees available to you.
My promise to you
- I'll always tell you upfront if a fee applies
- I'm not tied to any estate agent
- I review a comprehensive lender panel
- No pressure, no jargon, just clear advice
