Our Fees

Ethos Financial is happy to provide you with mortgage advice and to arrange your mortgage for you.

The initial mortgage advice we provide is free. We are happy to discuss your situation and requirements without obligation. If you decide to proceed with our professional services, then we will charge a fee for arranging your mortgage.

We are convinced that the quality of the advice we provide will satisfy you that our fee is worth it. Likewise, we are convinced that paying a fee for a professional mortgage service (that goes the extra mile for you) will save you time, money and hassle in securing the most suitable mortgage for your situation.

You go to a professional for advice on your health, your eyesight, your teeth, your legal matters, your accounts, your education, your car repairs and your house repairs. So it makes sense to seek professional advice for the biggest financial transaction of your life (your mortgage) and the insurances that will help to protect your home and your family.

The precise amount of our fee will depend upon your circumstances and loan amount. For most people this fee will be £500. For detailed or complicated cases, the fee may be more. For very straightforward remortgage cases, the fee may be less. We will also retain the commission from the mortgage lender.

Cheekily, we like to say that compared with your solicitor, we work twice as hard for half the fee!

Our insurance advice and arrangement service is free. We will be paid commission by the insurer.

We are not tied to any lender or insurer. We search the whole market to find the most suitable product for your circumstances. We can supply evidence of our research in each case and will provide written quotations. The amount of commission is also made clear.

We pride ourselves in the quality and integrity of our service.  Please take a moment to read through some of the commendations from our current clients. As most of our new clients are recommended by current clients, then we think we must be doing something right!

Your home may be repossessed if you do not keep up repayments on your mortgage.