Watts Mortgage and Wealth Management

Mortgage advice and financial services

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01270 620555

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Fee Statement

Fee Statement

On receiving an enquiry we will discuss with you (over the phone if you prefer), whether we are able to assist with meeting your needs and objectives. We will also discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary conversation and no obligation on either side.

On receiving an enquiry we will discuss with you (over the phone if you prefer), whether we are able to assist with meeting your needs and objectives. We will also discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary conversation and no obligation on either side.

There will be a fee for mortgage advice, administration and recommending a suitable mortgage product, of £695 of which £95 is payable when you apply, and we retain the commission from the mortgage lender. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

If you cancel the Mortgage application once it has been submitted to the lender, we will charge an administration fee of £155.00 in addition to the £95.00 fee paid on application.

The exact amount of commission we will receive is not known to us at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

We will tell you how much the total fee will be in good time before you apply for a mortgage, but you may ask for this information earlier.
 
You will receive a keyfacts illustration when considering a particular mortgage, which will tell you about any fees relating to that mortgage.


Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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Thank you for the great service that you provided for me in sorting my critical illness cover. Having a busy workload at this time of year, Barry came to my home at a time to suit me and gave me some advice on what would be best suited to my needs. From my first dealings through to the finished documents I felt at ease knowing that all the staff had one thing on their mind in getting me the best advice possible and trying to make it as stress free as possible. I would certainly have no hesitation in recommend Watts Mortgages services to any of our clients/family and friends. Thanks once again.

Andy Webster - Advantage Pest Control & Gardening Services Ltd

first time buyers

Buying a house is one of the most important and probably the largest investment you may make.

HOME MOVERS

Watts have a comprehensive range of mortgages from across the market and look to get you a great deal when you are looking to move home.

remortgages

We can search the WHOLE UK MARKET to get quotes from High Street lenders such as Santander, The Woolwich, Nationwide, NatWest and more.

Secured lending

Secured loans or second mortgages can be an alternative to re-mortgaging.

self build

For most people getting their finances in order is an important starting point for their self build project.

commercial

Where appropriate we can refer you to our sister company, Watts Commercial Finance Ltd. which provides advice on Commercial lending.

to let icon

buy-to-let

For some people, one of the most profitable long-term investments might be purchasing property.

drill icon

home improvements

Whether that is some general modernisation or some essential repairs that you need to get done, we have a solution for you.

bridge icon

regulated bridging loans

A regulated bridging loan is a form of short term funding secured by a charge on a borrower’s residential property until next stage financing is secured.

protection

life &
critical illness

With advances in medical care more and more people are now surviving illnesses once thought to be fatal.

life
insurance

Protection insurance is designed to help when the things we hope will never happen to us, do!

income
protection

Protecting your future is important and Income Protection can protect your income and make sure that money is there when you need it most.

accident, sick &
unemployment

This cover can give you the peace of mind of knowing that in the event of redundancy or illness your mortgage payments will be made.

building &
contents

Your home is probably the largest single financial commitment you will make in your lifetime, so protecting it is so important.

private
health

You insure your car, your home, and your valuables - isn’t your health the most important asset of your life?

relevant
life plan

Relevant life insurance is a tax efficient way of a company providing life insurance for its employees, including directors of limited companies.

director shareholder
protection

Directors’ shareholder protection is insurance that is specifically designed to ensure that should one the shareholding directors die or be diagnosed with a terminal illness the remaining shareholders will have access to sufficient capital to buy the deceased’s shares from his/her estate.

keyperson
insurance

Key person insurance helps safeguard a business against the financial effects of the death or critical illness of a key member of staff

mortgage tools

Calculators to help you plan your mortgage payments and stamp duty rates.

testimonials

Read what some of our existing clients have to say about our services.

arrange a callback

Send us an email with your contact details and we'll arrange for one of our advisers to call you back.

Your initial mortgage consultation is obligation free. There will be a fee for mortgage advice of £695 of which £95 is payable when you apply, and we retain the commission from the mortgage lender. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

Watts Mortgage & Wealth Management Ltd is directly authorised and regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No 624815 at www.fsa.gov.uk/register/home.do

More information is available on mortgages from the Money Advice Service. www.moneyadviceservice.org.uk

Where you have a complaint or dispute with us and we are unable to resolve it to your satisfaction then we are obliged to offer you access to the Financial Ombudsman Service. Please see the following link for further details www.financial-ombudsman.org.uk

Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

For details of our fees for mortgage business please click here.

The FCA does not regulate some forms of mortgages. The FCA does not regulate taxation advice, trust advice and some forms of buy to let mortgages.