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You are here: Home / Our Fees

Our Fees

We never charge upfront fees. Payment for our service is only due once the transaction has been fully completed and the lender has released their funds.

If the case does NOT proceed (irrespective of the reason), you are not required to pay us.

We will agree the fee upfront and our Terms of Business engagement form requires you to sign to say you are happy with the charge before we will enter into any submission process to the lender. Please note that there is no VAT payable on our services.

Mortgage & Loans Charges 

The standard charges which apply in the majority of cases are:

  • £499 for a standard* Mortgage / Remortgage
  • £1000 Secured Loans
  • No charge for Product Transfers (staying withe existing lender)
  • Loan for Bridging / Commercial Finance £499 for a standard* and up to 1% for non-standard of the gross amount

Fees correct on 25-05-2022

We believe our mortgage broker charges are very competitive for the level of expertise and knowledge. Where a percentage of the loan size is charged there is no minimum or maximum payment. In addition to our charge, we may also be paid a commission from the provider.

Customers who have a ‘genuine hardship’ will have their fee agreed on an individual basis.

* Non-standard cases include Right to Buys; Shared Ownership; Ex Pats; Foreign Nationals; Foreign Income; Over two applicants; Criminal convictions; History of payday loans; and Bad credit conduct. The actual fee will be confirmed to you at the start of the process.

WE DON’T HAVE TO MEET YOU

We can deal with all our clients by Phone, Whatsapp, Skype, Email and Post.

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AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority. FCA Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

Our Fees

Click here for our fees structure. A full detailed fee plan will accompany all our quotes.

Niche Advice Limited has a commercial arrangement under an affiliate programme with Check My File and is remunerated for referrals.

Terms and Conditions

If you wish to register a complaint, please write to us on the details below or call us on: 020 7993 2044.

Correspondence Address: Niche, Unit F6, The Addington Business Centre, Vulcan Way, New Addington, Surrey CR0 9UG.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234567.

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CONTACT NICHE ADVICE
Tel: 020 7993 2044

Registered Office: Niche, Unit F3, The Addington Business Centre, Vulcan Way, New Addington, Surrey CR0 9UG. Registered in England & Wales. Company registration number: 06599033.

Members of The Financial Intermediary & Broker Association - Number SBS36389

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