Fees & our service
Know where you stand.
Before you decide.
Clear information about the advice we provide, how we are paid and the details we explain before you proceed.
Our mortgage advice service
We research a comprehensive range of mortgage products across the UK market available through intermediaries. Some lenders offer products only directly to customers. We explain our service and any relevant limitations before giving advice.
Our recommendation considers your circumstances, objectives, lender criteria, overall costs and relevant product features. We do not promise access to every lender or every mortgage deal, the lowest rate in the market, or a guaranteed mortgage approval.
How we are paid
We explain any broker fee and the circumstances in which it is payable in writing before you decide to proceed. The information will include the amount or basis of the fee, payment timing and any applicable refund or cancellation terms.
We may also receive a payment from a lender when a mortgage completes. We explain the relevant payment arrangements and provide the applicable disclosure. Your mortgage illustration will set out product-specific costs, including any lender fees.
Other costs to plan for
A property transaction may involve valuation charges, survey costs, legal fees, property tax and other expenses. Moving home before an existing mortgage deal ends may also involve an early repayment charge. These costs are separate from any broker fee and depend on the transaction and product.
Our permissions and service boundaries
Flagship Mortgages Limited is authorised and regulated by the Financial Conduct Authority, FRN 1054308. Our permissions include advising on and arranging regulated mortgage contracts, subject to the limitations shown on the register.
We do not advise on or arrange lifetime mortgages. Consumer buy-to-let is outside our current service. Most business buy-to-let mortgages are not regulated by the FCA and relevant protections may differ. We establish the type of enquiry before proceeding.
The firm cannot hold or control client money. We will explain the proper process for any fees or payments associated with the services you choose. Never send a mortgage deposit or mortgage funds to us.
Making an informed decision
We explain the recommendation and provide the relevant product illustration. Take time to review the interest rate, costs, repayment structure, risks and conditions. Ask us about anything you do not understand before committing.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Your next step starts with a conversation.
Tell us what you’re planning. We’ll help you understand the options and explain what comes next.