OUR FEES
Transparent mortgage broker fees, always disclosed upfront, before any work begins
We believe you should know exactly what you're paying, and when, before we do any work, not after. Every fee is disclosed in the first conversation, in writing, with no surprises later.
Last updated: October 2026
MORTGAGE FEES
Mortgage 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, and confirm it 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 a property we arranged the finance on. (See Existing Clients, below.)
WHAT YOU'LL PAY
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.
Fee by case type
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.
£750Total fee
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.
£1,250Total fee
On mortgage offer: £500
On completion: £750
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
WHEN FEES ARE DUE
When fees are due
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.
The fee is charged once per property. If we need to move your case to a different lender or product after an offer has been issued, for example because a better rate becomes available, there is no second fee.
You will always know both figures, and when each is payable, from our first conversation.
EXISTING CLIENTS
Existing Clients
If we arranged the mortgage on your property, whether that was the purchase or a later remortgage, and you come back to us to remortgage that same property, there is no fee.
If you are moving home, buying an additional property, or asking us to look at a property we have not arranged finance on before, the fee structure above applies, standard or specialist depending on the case.
Book a fee free, no-obligation consultation. We'll give you indicative figures and a clear understanding of your options — usually within the same day.
Book a Fee Free ConsultationHOW WE ARE PAID
How we are paid
There are two payments involved in a mortgage we arrange: the fixed fee you pay us, set out above, and a commission the lender pays us when the mortgage completes. They are separate. One does not change the other, and neither changes the rate you are offered. The questions below are the ones clients ask most often about how this works.
Yes. When a mortgage we have arranged completes, the lender pays us a commission, usually called a procuration fee. It is a percentage of the loan and it comes out of the lender's own costs. The amount for any product you are considering is shown on the mortgage illustration we give you, and we hold a list of what each lender on our panel pays, which we can send you on request. We do not rebate any part of the lender's commission against our fee, and our fee is not reduced by it.
It is generally cheaper for a lender to pay a broker than to do the work themselves. Rather than running more branches and employing more advisers, many lenders rely on brokers to find out what the client needs, give the advice, package the application and support the client through to completion. The payment also reflects that we take responsibility for the advice. The recommendation is ours, we are accountable for it under the Financial Conduct Authority's rules, and the lender is paying in part for that responsibility to sit with us.
Neither. Our fee buys our work, not a different mortgage, and the lender's commission is not added to your rate or your product fee. In our experience, lenders generally offer the same products at the same pricing whether you apply through a broker or go to them directly. Very occasionally a lender may make a rate available only through brokers, or only to direct applicants. That is rare, and if it is relevant to your case we will tell you. We recommend from a comprehensive range of products from across the market but not deals that you can only obtain by going direct to a lender.
No. For the most part the lenders on our panel pay similar levels of commission, and you can ask to see the full list at any time. More importantly, we are required to keep a written record of why we recommended the mortgage we did, and the Financial Conduct Authority can ask to see it. Under the FCA's Consumer Duty our advice has to be in your interests and lead to a good outcome for you. Being paid more by one lender than another is not a reason to recommend them and would not stand up as one. The recommendation is based on your circumstances, the lender's criteria and the cost of the deal to you.
The advice and the structure of the loan first: how much to borrow, on what basis, over what term, and whether there are structures you might not be aware of that would suit you. Then the research across our panel to find the right lender for your case, using our knowledge of lender criteria so you are not spending weeks collecting refusals. Then the process itself. We complete the application, collate the documents, deal with the underwriters, chase the valuation, and keep the agent and the solicitor moving, through to completion. If you have ever spent an afternoon on hold to your bank over a single charge, that is the experience we are taking off your hands, on what is probably the largest financial commitment you will make.
Per property. If we need to submit a second application for the same purchase, because the first lender declines it, the product changes, or a better rate becomes available after offer, you pay one fee. If no lender issues an offer, nothing is payable.
The fee cannot be added to the mortgage; it is paid from your own funds by bank transfer, in the two stages set out above. There is no VAT. Mortgage advice and arranging are exempt from VAT, so the figures on this page are the full amounts.
Yes, and in that case there is no fee from you at all. How protection advice works, and how we are paid for it, is set out in the next section.
PROTECTION
Protection: how we are paid
We treat protection as equally important as the mortgage, and we advise on it in every case. The covers we advise on, in order of priority, are income protection, family income benefit, life cover and critical illness cover. How we approach them is set out in our protection guide.
There is no separate client fee for protection advice. We are paid a commission by the insurer when a policy starts, and the amount is shown on the illustration for any policy we recommend.
No. The lender's security is its charge over the property, and lenders do not generally require you to hold personal cover. We recommend it because it protects you and your household, and the decision is yours: yes, no, or later.
The insurer pays us a commission when the policy starts, and the illustration for each policy shows the amount. Most of it is paid up front. If a policy is cancelled in its first few years the insurer may reclaim part of that commission from us. That is between us and the insurer; there is no fee to you if you cancel.
No. The recommendation is based on the quality of the cover first and the premium second, and as with the mortgage we keep a written record of why we recommended what we did. Critical illness cover is the clearest example: the definitions and exclusions differ from one contract to another, and the cheapest policy is often not the one most likely to pay a claim. If we are setting cover up for you, we want it to be the policy that does what you need it to do.
We recommend from a panel of insurers maintained by The Openwork Partnership covering income protection, life cover, including family income benefit, and critical illness cover. You receive the current panel of lenders and insurers before our first meeting, and we can send it again at any time. If we cannot find suitable cover on the panel, we can introduce you to a specialist protection broker.