Our Fees
Clear about the cost before you decide to proceed.
Mortgage requirements vary, so where an adviser fee applies, the amount and basis of that fee will be explained before you proceed.
Fee transparency
Understand the applicable adviser fee before the mortgage process moves forward.
How our fees work
Not every mortgage requires the same amount of work.
Mortgage advice can range from a relatively straightforward residential transaction to a case involving several income sources, international circumstances or specialist property.
The amount of research, preparation and ongoing case management can therefore vary considerably between clients.
Where an Intra adviser fee applies, the applicable fee and basis of charging will be explained before you decide whether to proceed.
That means the cost can be considered alongside the mortgage requirement before the advice process progresses.
Our approach
Transparency before commitment.
Fees are one part of the overall cost of arranging a mortgage and should be understood alongside the other charges connected with the transaction.
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Clear from the outset
Where an adviser fee applies, the amount and basis of that fee will be explained before you decide whether to proceed.
02
Based on the case
The work involved in a mortgage can vary considerably depending on the borrowing, property and complexity of the circumstances.
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No hidden assumptions
You should understand the relevant adviser fees and other known mortgage-related costs before an application is submitted.
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Separate from lender costs
An Intra adviser fee is separate from any valuation, product, legal or other charges that may apply to the mortgage transaction.
Why fees can vary
A mortgage case is more than a loan amount and a property value.
The amount of adviser work required can depend on the structure of the income, property, client circumstances and type of finance involved.
More complex cases may involve additional lender research, documentation, communication and case preparation.
The applicable adviser fee should therefore be established around the actual service being provided rather than assumed from a generic example.
Individual circumstances
The mortgage requirement determines the work involved — not the other way around.
What can affect the work involved
Some cases naturally require more detailed preparation.
These are examples of factors that can influence how a mortgage case needs to be researched and prepared.
01
Type of mortgage
A residential purchase, remortgage, investment case or specialist finance requirement can involve different levels of work.
02
Income complexity
Self-employment, contracting, bonuses, multiple income sources or overseas earnings may require additional research and documentation.
03
International circumstances
Residency, nationality, foreign income or international documentation can affect lender research and case preparation.
04
Property type
Unusual, investment, commercial or specialist property may require a different range of lenders and underwriting considerations.
05
Loan size
Higher-value borrowing can involve different lender criteria, affordability approaches and application requirements.
06
Specialist requirements
Bridging, development and other specialist finance can involve more detailed structuring and lender engagement.
Adviser fees & other costs
A mortgage transaction can involve costs beyond the advice itself.
It is useful to distinguish an adviser fee from charges made by the lender, solicitor, surveyor or other third parties.
Adviser fee
Advice & case support
Where applicable, this relates to the mortgage advice and associated service provided by Intra.
Third-party costs
Separate charges
Lender, legal, survey and other transaction costs are generally separate from any Intra adviser fee.
Other possible costs
Understand the wider cost of the transaction.
Not every cost below will apply to every mortgage. The specific charges depend on the lender, property and transaction.
01
Lender product fees
Some mortgage products include an arrangement or product fee charged by the lender.
02
Valuation fees
Depending on the lender and mortgage, a valuation fee may apply to the lender's assessment of the property.
03
Legal costs
Solicitor or conveyancer fees are normally separate from the mortgage advice process.
04
Survey costs
A client may choose to arrange a more detailed property survey separately from the lender's valuation.
05
Specialist reports
Certain properties or transactions may require additional professional reports or assessments.
06
Insurance
Buildings and contents insurance or mortgage protection are separate products with their own premiums and terms.
Why we explain the fee first
The fee should reflect the service actually being discussed.
Publishing a single headline figure can create the impression that every mortgage case requires the same work.
Instead, the relevant circumstances can be understood first and any applicable adviser fee explained before the client decides whether to proceed.
Discuss your requirement
Before you proceed
Understand the service and applicable fee first.
The initial conversation provides context before the detailed mortgage advice and application process begins.
Understand
Initial conversation
We first establish what you are trying to achieve and the broad circumstances behind the mortgage.
Scope
Assess the requirement
The adviser considers the type of mortgage, expected complexity and the work likely to be involved.
Transparency
Explain the fee
Where an adviser fee applies, the relevant fee is explained before you decide whether to proceed.
Agreement
Confirm before proceeding
You should understand the applicable adviser fee and the basis on which it is charged before the advice process progresses.
Proceed
Begin the mortgage process
Once agreed, the adviser can continue with the detailed fact-find, research and mortgage application process.
Specialist finance
Specialist transactions can involve a different level of work.
Bridging, development, commercial and other specialist property finance can involve different underwriting structures and lender requirements from a standard residential mortgage.
Where the service or fee structure differs, this should be explained in connection with the individual transaction.
Explore Specialist Finance→Frequently asked questions
Questions about mortgage advice fees.
Your adviser can explain the fees and costs relevant to your particular mortgage requirement.
01Does Intra charge a mortgage adviser fee?
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Does Intra charge a mortgage adviser fee?
An adviser fee may apply depending on the mortgage requirement and circumstances. Where a fee applies, the amount and basis of the charge will be explained before you decide whether to proceed.
02Why isn't there one fixed fee shown for every mortgage?
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Why isn't there one fixed fee shown for every mortgage?
Mortgage cases can involve very different levels of work. A straightforward residential case can differ substantially from a case involving self-employed income, international circumstances, higher-value borrowing or specialist property finance.
03Will I know the fee before proceeding?
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Will I know the fee before proceeding?
Yes. Where an adviser fee applies, it should be explained before you proceed with the relevant mortgage advice service.
04Is the adviser fee the same as a lender product fee?
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Is the adviser fee the same as a lender product fee?
No. An adviser fee is separate from charges that may be made by a mortgage lender, solicitor, surveyor or other third party.
05What other costs can be involved in getting a mortgage?
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What other costs can be involved in getting a mortgage?
Depending on the transaction, costs can potentially include lender product fees, valuation fees, legal costs, survey costs and other property-related expenses. The costs relevant to your transaction will depend on the mortgage and circumstances.
06Does a more complicated mortgage always cost more?
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Does a more complicated mortgage always cost more?
Not necessarily. The applicable adviser fee depends on the service and circumstances. Complexity is one factor that may influence the amount of work involved.
07Are lender fees included in an Intra adviser fee?
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Are lender fees included in an Intra adviser fee?
No. Charges made by the lender or other third parties are separate. Your adviser can explain known mortgage-related costs relevant to the proposed mortgage.
08Are buildings insurance and mortgage protection included?
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Are buildings insurance and mortgage protection included?
Buildings and contents insurance and mortgage protection are separate products. Any premiums, terms and applicable costs relating to those products are separate from the mortgage adviser fee.
The fees applicable to your mortgage advice will depend on the service provided and your individual circumstances. Any applicable adviser fee will be disclosed before you proceed.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loan secured upon it.
Your mortgage
Tell us what you are trying to achieve.
We can discuss your mortgage requirement and explain the service, next steps and any applicable adviser fee before you decide whether to proceed.
enquiries@intra-pf.com