A Closer Look at Our Broker Fees
Updated: Oct 26
Transparency is key to confident mortgage decisions. Most of our clients benefit from full guidance at no cost, but we want you to have a clear view of our fee structure upfront. Understanding the details helps you decide if we’re the right fit for your needs.
When Do We Charge A Broker Fee?
If you’re borrowing less than £225,000, a fee will apply. For loans under this threshold, we charge a competitive rate balanced against the work involved. However, if you’re borrowing less than £100,000, it’s essential to note that our fees could be higher than some local brokers' fees. For smaller loan amounts, we may not always be the most cost-effective option for you, and we believe it’s important to be upfront about this.
We encourage you to shop around and compare options to find a broker that best suits your budget and needs.
How Do Our Fees Work?
Our fees are structured to reflect the extensive research, tailored advice, and full support we provide throughout the process. Here’s what’s included:
Tailored Advice: We take the time to fully understand your circumstances and find you the best deal that matches your unique needs.
Full Support: From sourcing the right mortgage to submitting your application and liaising with lenders, we handle each step for you.
Transparency: You’ll always know what our services cost upfront, with no surprises or hidden fees.
If you’re borrowing more than £225,000, it’s very likely you won’t be charged a fee for using our services. Instead, our fee is usually covered by the lender, meaning no direct cost to you.
Who Might We Not Be Best For?
While our services aim to deliver exceptional value, we may not be the most affordable option for everyone:
Loans under £100,000: If you’re borrowing less than £100,000, it’s possible to find advisers who charge lower fees locally. For these cases, we might not be the best fit depending on your specific budget.
Fee-sensitive borrowers: If keeping fees low is your priority, consider switching to an adviser who better fits your budget needs.
We’d love to help you achieve your goals. Our fee reflects the quality of our service, but don’t worry, when we do need to apply a fee we only charge it once your mortgage offer is approved. This way, you’ll see results before making any payment.
Why Consider Beechwood Mortgages?
Here’s why so many customers trust us and keep coming back for their financial needs:
More Than Just Fees: While fees matter, selecting an adviser is about value and expertise, not just price.
Personalised Support: Receive tailored advice and meticulous guidance through your financial decisions.
Trusted Expertise: Our premium service reflects our commitment to putting clients first.
Proven Customer Satisfaction: With over 400 Five-Star Google Reviews, our dedication to excellence speaks for itself.
Your Satisfaction is Key: Your needs are always our top priority.
Need More Information?
We understand that fees can be confusing, and we’re here to help. If you have any further questions or want to understand how our fee structure applies to your specific situation, please don’t hesitate to reach out to us.
Contact us today and explore how we can support you through your mortgage process while ensuring you get exceptional value for your money.
Choosing the right mortgage adviser is about trust, expertise, and transparent support. If those values resonate with you, we’d love to help👍
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Typically we do not charge a fee for arranging a mortgage, however, the actual fee will depend on your circumstances.
As with all insurance policies, conditions and exclusions will apply.
Written and Published: 29 April 2025 | Last updated: 20 October 2026 by Adrian Collins, Founder of Beechwood Mortgages (FCA Ref: 219335). Reviewed and Approved by Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Ref: 454811).
