We do not charge a fee for the initial lending consultation; our fees only apply when you decide to go ahead with an application.
The Costs of our Services
» Our fees are based on two considerations: the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to proceed with an application. As we offer a bespoke service our fees can vary.
» We may also receive a commission from the lender for placing that business.
» The fees will be paid directly by you on the release of a mortgage offer.
» We do not charge a fee for these services as we will normally receive commission from the policy provider.
If we are unable to secure you a mortgage offer from any lender and you have neither supplied incorrect information to Key Life Financial Services Limited or the lender, nor withheld or failed to provide material information as required by the lender, we will refund our fee.
Please note our fee will be charged should the lender reject your mortgage application due to due to your non-disclosure of relevant information or you not disclosing any material information about your personal situation as required by the lender or as a result of any inaccurate information you have provided. It should also be noted we do not provide a refund should you decide not to proceed with the mortgage once the offer has been approved.
We accept bank transfers or cheques made out to Key Life Financial Services Limited in settlement of our fees. We do not handle cash.
During the initial meeting(s) we will complete a Mortgage & Remortgage client questionnaire to enable appropriate advice to be given on your mortgage and other related insurance products. Once we have made our recommendations to you we will confirm our advice in writing. You should retain this confirmation as a record of the advice given. Details of any products applied for will be confirmed by the mortgage lender on a formal Offer of Advance, and by the insurance provider in Acceptance Terms. It is your responsibility to check that the formal offer/acceptance is correct before you exchange contracts.
We constantly review the mortgage market in order to select the most appropriate lenders to meet your individual circumstances. We use lenders who consistently provide our customers with a competitive product range and high standards of service; however the standards of service can vary over time.
To find out more or meet us for a free, no-obligation consultation, call us on: