lender-proc-fees – Complete FS

Affirmative Finance

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging	1.50%	1.00%	0.50%

Allica Bank

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Commercial	1.50%	0.75%	0.375%

Alternative Bridging Corporation

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging	1.50%	1.00%	0.50%

Assetz Capital

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Commercial Express	1.25%	0.70%	0.35%
All Other Products	1.25%	0.70%	0.35%

Barclays

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Commercial	1.00%	0.50%	0.25%

Bath Building Society

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let	0.80%	0.35%	0.18%
Residential	0.80%	0.35%	0.18%

Beverley Building Society

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All products	0.80%	0.40%	0.20%

Bluestone Mortgages

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let	0.90% + £180	0.50%	0.25%
Residential & Adverse	0.90% + £180	0.50%	0.25%

Castle Trust

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging	1.75%	0.875%	0.44%
Buy To Let	1.50%	0.75%	0.375%

Central Trust

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Secured Loans	2.00%	1.00%	0.50%

Digital Mortgages by Atom Bank

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let	1.25%	0.625%	0.31%

Dudley Building Society

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All Products	0.80%	0.37%	0.18%

Equifinance

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Secured Loans	2.00%	1.35%	0.68%

Fleet Mortgages

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All Products	0.80%	0.45%	0.22%

Foundation Home Loans

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All Products	0.85%	0.45%	0.22%
Semi Commercial	1.20%	0.60%	0.30%

Funding Circle

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral servicee
All Products	2.50%	1.25%	0.62%

Glenhawk

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging	2.00%	1.00%	0.50%

Greenfield Mortgages

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All products	2.00%	1.00%	0.50%

Hampshire Trust Bank

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging Finance	2.00%	1.00%	0.50%
BTL & Semi Commercial	1.50%	0.75%	0.38%

Hinckley & Rugby For Intermediaries

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All Products	0.80% Gross (£12,000 max)	0.40% to Broker (£6,000 max)	0.20%

Interbay

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let	1.00%	0.50%	0.25%
Commercial / Semi Commercial	1.50%	0.75%	0.375%
Bridging	2.00%	1.00%	0.50%
Product Transfers	0.50%	0.35%	0.175%

Kent Reliance

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Residential	0.60%	0.35%	0.18%
Residential Near Prime	0.80%	0.40%	0.20%
Buy to Let	0.70%	0.45%	0.22%
Further Advance	0.35%	0.25%	0.10%

Landbay

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let (Club Route)	0.55%	0.50%	N/A
Buy to Let	0.85%	0.45%	0.22%

LendInvest

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Residential	0.80%	0.40%	0.20%
Buy to Let	1.00%	0.60%	0.30%
Bridging (unreg & reg)	2.00%	1.00%	0.50%
Development	1.00%	0.50%	0.25%

LiveMore

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All Products	0.95%	0.50%	0.25%

MT Finance

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging Finance	2.00%	1.00%	0.50%
Buy To Let	0.85%	0.50%	0.25%

Octane Capital

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging	2.00%	1.00%	0.50%

Octopus Real Estate

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging	2.00%	1.25%	0.60%

Pepper Money

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All Products	0.80%	0.40%	0.20%

Precise

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let	0.80% + £180	0.50%	0.25%
Residential	0.80% + £180	0.50%	0.25%
Bridge to Let	Bridge - 0.75%	Bridge – 0.375%	Bridge - 0.19%
	BTL - 0.60%	BTL - 0.375%	Bridge - 0.15%
	Total - 1.35%	Total - 0.75%	Total - 0.34%
Bridging	2.00%	1.00%	0.50%
Secured Loans	2.00%	1.35%	0.68%

Quantum Mortgages

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let	1.10%	0.70%	0.20%

Redwood Bank

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
BTL/Commercial	1.50%	0.75%	0.38%

Roma Finance

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy To Let	1.00%	0.50%	0.25%
All other products	2.00%	1.00%	0.50%

Saffron

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy To Let	0.80%	0.40%	0.20%
Residential	0.80%	0.40%	0.20%
Self Build	1.00%	0.50%	0.25%

Selina Finance

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Business Credit Facility	3.50%	1.50%	0.75%
Property Investor Credit Facility	2.00%	1.00%	0.50%

Shawbrook Bank

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Secured Loan	2.00%	1.35%	0.68%
Commercial	1.75%	0.875%	0.44%
BTL Non Portfolio	0.90%	0.45%	0.225%
BTL Portfolio	1.20%	0.60%	0.30%
Buy to Let	1.75%	0.875%	0.44%
Product Switch/Refinance	0.75%	0.375%	0.19%
Bridging	2.20%	1.10%	0.55%

Signature Property Finance

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging	2.00%	1.00%	0.50%

Step One

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Secured Loan	2.00%	1.35%	0.68%

TAB

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All Products	2.00%	1.00%	0.50%

Tandem Mortgages

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All products	1.00%	0.55%	0.275%

The Family Building Society

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy To Let	0.90%	0.50%	0.25%
Offset Mortgage	0.90%	0.50%	0.25%
Family Mortgage	0.95%	0.55%	0.275%
Residential Mortgage	0.80%	0.40%	0.20%

The Mortgage Lender

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Residential	0.80%	0.50%	0.25%
BTL	0.85%	0.50%	0.25%
Club Route	0.60%	0.50%	NA
Product transfer	0.30%	0.28%	0.14%

Tipton

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All Products	0.80%	0.40%	0.225%

Together

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Bridging (1st & 2nd chg)	2.00%	1.00%	0.50%
Buy to Let (1st chg)	1.25%	0.625%	0.3125%
Buy To Let (2nd chg)	1.25%	1.25%	1.25%
Consumer Buy To let	1.25% (£7.5k max)	0.625% (£3.750k max)	0.375% (£750 max)
Commercial	1.25%	0.625%	0.3125%
Residential (1st chg)	1.25% (£7.5k max)	0.625% (£3,750k max)	0.375% (£1,250 max)
Residential (2nd chg)	2.00% (£7.5k max)	2.00% (7.5k max)	2.00% (£4.5k max)

United Trust Bank

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let	0.90%	0.45%	0.225%
Bridging	2.00%	1.00%	0.50%
Residential	0.80%	0.425%	0.20%
Residential (unencumbered)	1.00%	0.50%	0.25%
Secured Loan	2.00%	1.35%	0.68%
Residential Product Transfer	0.40%	0.20%	N/A
Secured Loan Product Transfer	1.00%	0.50%	N/A

Vida Homeloans

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
All Products	1.00%	0.60%	0.30%

West One

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Residential - Fixed rates	0.75%	0.375%	0.19%
Buy To Let (1st charge)	0.90%	0.50%	0.22%
Buy To Let (1st charge Limited Edition)	0.75%	0.40%	0.20%
Bridging	2.00%	1.00%	0.50%
Secured Loan	2.00%	2.00%	2.00%

Zephyr Homeloans

Product	Gross Fee paid by lender	Net fee paid to regulated broker	Net Fee paid to non-regulated & client referral service
Buy to Let	0.85%	0.45%	0.22%

£99 Application Fee only

For all mortgage applications Complete FS will only collect a £99 application fee from the applicant(s).

There are three variations to this, which are:

Second charge loans, see below section on second charges.
On smaller first charge loans (typically less than £50,000) we may vary the fee to £199.

Second Charge Fee Structure:

Complete FS Ltd offer two distinct fee structure options. Option 1 is for clients that wish to pay processing fees upfront with Option 2 for those that require all costs absorbed into the loan:

Option 1

FEES PAID UPFRONT
2% Master Broker fee on completion (£500 minimum, £2,000 maximum)
£199 Application Fee
Disbursement Fee - £100 (covers lenders reference & land reg search)
Valuation Fee - if applicable (some lenders use drive by or desktop valuations)
PROC FEE paid to broker 2% (£4,000 maximum)

Option 2

NO UPFRONT FEES
4% Master Broker Fee on completion (maximum is £5,000)
No Application Fee charged (covered by Complete)
No Disbursement Fee charged (covered by Complete)
No Valuation Fee (covered by Complete)
PROC FEE paid to broker 2.5% (maximum £3,125)
MINIMUM LOAN £35,000
Available on properties valued up to a maximum of £1,000,000

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