O U R F E E S
Transparent mortgage broker fees — always disclosed upfront, before any work begins
We believe you should know exactly what you're paying before we do any work — not after. Every fee is disclosed in the first conversation, in writing, with no surprises later.
M O R T G A G E F E E SMortgage Fees
Our fees are fixed and depend only on the complexity of your case. Three commitments hold on every one.
Disclosed Upfront
We'll tell you which fee applies, and when each part is payable, on our first call — confirmed in writing before any work begins.
Fixed Fees
£750 for standard cases, £1,250 for specialist. Fixed amounts, no hourly billing, no surprises at the end.
Nothing to Remortgage
Existing Kite Mortgages clients pay no fee to remortgage their current home.
What you'll pay
The fee depends on which of two categories your case falls into. Whichever applies, it's payable in two stages — part on receipt of your mortgage offer, and the balance on completion.
Standard Cases
This covers the majority of residential mortgages. If your circumstances mean your case falls into the specialist category, we will let you know in our first meeting.
Total fee
£750
On mortgage offer
£250
On completion
£500
Specialist Cases
This covers cases involving additional structuring or documentation — for example foreign currency mortgages, equity compensation including Restricted Stock Units (RSUs), expatriate and overseas mortgages, buy-to-let, and the use of government schemes.
Total fee
£1,250
On mortgage offer
£500
On completion
£750
Fees are payable in two stages. The first part falls due when your mortgage offer is issued, and the balance on completion.
Each payment is non-refundable once made. By the point a payment falls due, the work it covers has been done — your mortgage offer has been secured, or your case has completed. The offer-stage payment is due once the offer has been issued, whether or not the purchase later completes.
You will always know both figures, and when each is payable, from our first conversation.
Procuration Fees
We also receive a commission from the lender. You will receive an illustration when considering a particular mortgage, which will tell you about any commission relating to it.
We charge a client fee to reflect the work involved in advising on, structuring and arranging your mortgage, and to ensure a high quality of service across every case.
Specialist cases carry a higher fee because of the additional structuring and documentation these scenarios involve.
P R O T E C T I O N F E E SProtection Fees
We will arrange the policy with the insurer on your behalf; you do not pay us a fee for doing this. Instead, we receive commission from the insurer, which is a percentage of the total annual premium.
You will receive an illustration when considering a particular protection policy, which will tell you about any commission relating to it.