Fees
Fees and how we choose lenders.
No broker fee, and every option compared on the total cost of the loan. Here's how we're paid, what you pay, and how we find the lenders for your deal.
How we’re paid
As a brokerage, we don’t charge a broker fee. We’re paid a commission by the lender when your loan completes.
What you pay
There’s no broker fee, but lender fees, valuation and legal costs still apply. Your broker explains each one in plain English before you go ahead, and every option is compared on the total cost of the loan, not the headline rate.
Why we don’t charge a broker fee
We’re built around AI from day one, so the admin that fills a traditional broker’s week is handled for us: gathering documents, running checks, packaging the case and chasing everyone involved. That keeps our costs low, which is why there’s no broker fee.
It helps your deal too:
- Problems found upfront. Our checks run at the start, so anything a lender would question is answered in your file before they see it. Fewer surprises at underwriting, valuation or legals.
- A faster deal. Your deal is sourced live on the first call, and the lender gets a complete case first time.
How we choose lenders
Our proprietary sourcing algorithm and calculation engine search and compare every product across our lender panel, so you’re lined up with the best deals for you from day one.
- On the call, we run a soft credit search, which won’t affect your credit score, and source your deal live against each lender’s criteria. Lenders that can’t accept your deal are ruled out before anyone spends time on them.
- You get indicative terms from the lenders that fit, and you choose which ones we take your deal to.
- We work with those lenders to get a decision in principle (DIP) from each.
- You choose from the DIPs, compared on the total cost of the loan, and we submit the full application on your behalf.
Lender choice is never based on what a lender pays us. Every recommendation is recorded with its reasons.
We never quietly trade a better rate for worse terms.
Any indicative rates or terms are subject to the lender’s credit assessment, underwriting and valuation, and only the lender’s formal offer is binding.