Our Fees

At John Charcol, every client relationship starts with a complimentary, no-obligation conversation.

That gives us the chance to understand what you need and how we can help, whether you’re buying your first home, remortgaging, expanding a property portfolio or looking for a commercial mortgage.

Our fee structure is transparent and tailored to the type of transaction, as well as whether you’re a new or returning client.

Our mortgage fees are structured around two main factors: the size of the loan and the complexity of the case. We offer a complimentary initial consultation, so you can speak to us first with no obligation to proceed.

If you decide to move ahead, your adviser will explain exactly what fee applies and when it is payable before any application is submitted. That way, you have full clarity from the outset and can make an informed decision before taking the next step.

Our fee covers far more than simply sourcing a mortgage product.

It reflects the work involved in understanding your circumstances, assessing your needs, researching suitable options, recommending an appropriate mortgage, and supporting the application through to offer and completion. That includes liaising with lenders, handling the administration of the case, helping with supporting documents, and keeping things moving throughout the process.

In short, you are paying for advice, research, guidance and ongoing case management, not just paperwork.

We discuss fees with you as part of the advice process and confirm them before you choose to proceed with an application.

Depending on the type of mortgage, fees may be payable at different stages of the process. In some cases, part of the fee may be requested from application, with the balance due later in the transaction. For remortgages, fees are typically due after completion. Where a purchase has a delayed completion, the remaining fee may be taken after exchange once a mortgage offer has been secured, if this is set out in your fee agreement.

Yes. Fees can vary depending on the type of mortgage and the level of work involved.

For residential mortgages and remortgages, fees are typically assessed according to the loan amount and the complexity of your circumstances. For second charge regulated mortgages, a flat fee applies on completion. For business buy to let, bridging, development and commercial finance, fees can vary according to your requirements and the nature of the case, and these will be explained before any business is arranged.

Potentially, yes.

For regulated mortgage business, there is discretion to reduce the standard fee in some circumstances, including for returning clients. Any reduced fee would be discussed with you and confirmed before you proceed. For business buy to let and commercial cases, fees still depend on the individual requirements of the case and will always be explained in advance.

We charge a fee because the service we provide goes well beyond introducing you to a lender.

Our role is to understand your circumstances, assess your options across the market, recommend a suitable solution and manage the process from application through to completion. That takes time, expertise and ongoing support, particularly where a case is more complex or needs a more hands on approach.

Put simply, our fee reflects the value of tailored advice, detailed research and dedicated case management throughout the mortgage journey.