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Hi, this is Sam speaking – I’m the proud owner of Rosehill Financial Services.
One thing I personally cannot stand is when companies have ‘hidden fees’. Mortgage brokers are obliged to tell you their fees before work commences.
You wouldn’t spend time viewing properties that had no indication of price, so why should a mortgage broker be any different?
We’ll always confirm our fee in our initial meeting.
We do, yes.
It’s rarely an either/or situation – most mortgage brokers, whether they charge or do not charge, will receive a commission from the mortgage lender.
The good thing is that this allows us to charge our clients less, seeing as the lender covers a portion of our total remuneration.
Yes, we charge a fee for our specialist advice & service.
For existing client remortgages, clients benefit from our Remortgage Promise.
Our fee(s) will be confirmed as soon as possible, prior to any work being carried out.
We work with fee paying clients to allow us to dedicate more time to each case to offer the best service possible.
Think about it logically – if we didn’t charge a fee, we’d be reliant on submitting many more applications, so we wouldn’t be able to spend as much time on each case. This would naturally result in a lack of service.
For existing client remortgages, we have our Remortgage Promise.
Our Remortgage Promise is a special offering designed to exclusively benefit our existing clients who choose to refinance their existing residential property with us.
You can find out more here.
We can only confirm the fee payable, after our first meeting – we need to get an idea of your plans to let you know what our fee will be. Before proceeding, you’ll receive a copy of our terms of business which outlines our fee structure in full, so you’ll know you’re being treated fairly.
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As a mortgage is secured against your home or property, it may be repossessed if you do not keep up the mortgage repayments. Think carefully before securing any other debts against your home or property. The Financial Conduct Authority does not regulate commercial buy to lets and some forms of commercial mortgages. You may have to pay an early repayment charge to your existing lender if you re-mortgage
We typically charge a fee for our services, which is dependent on the amount of administration required. Please refer to our terms of business for further information.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. The purpose of any content on this site is to provide technical and generic information and should not be interpreted as a personal recommendation or advice.
We aim to provide the best possible service to our clients. However, if you have a complaint that we’re unable to resolve, please see our complaints policy.
Rose Hill Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. You can find us on the Financial Services Register https://register.fca.org.uk/ under reference 912303. Registered office address: 1 Bell Street, 2nd Floor, London, England, NW1 5BY. Registered in England and Wales. Company registration no: 11997519.
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