As our name implies, at Clarity we seek to provide clear simple and appropriate solutions for all our clients. There are various fees and charges associated with mortgages and loans which we have listed below. 

 
Commercial Valuation Fees: These are payable to us upon application. We will arrange for an approved RICS chartered surveyor to value the property on behalf of the lender and pay their fees on your behalf. It is important to note that commercial valuations usually cost more than those for residential property.

Residential Buy-to-Let Valuation Fees: These are payable to us upon application. We will arrange for an approved RICS chartered surveyor to value the property on behalf of the lender and pay their fees on your behalf. Buy-to-Let valuation fees are usually comparable to those for standard residential mortgages

 

Legal Fees: These are payable to your solicitor in connection with any mortgage or lending where property is used as security, i.e. a second charge.

Stamp Duty: Payable on completion, stamp duty rates vary depending on the value of the property. Please refer to your solicitor or property agent for the latest rates of duty.

Booking Fees: Some lenders charge this to secure a specific mortgage rate, (usually a fixed rate). This fee is payable on application or may be added to the loan on completion.

Broker fees:  Our broker fees are payable only upon the issue of a mortgage or loan offer.  We work on a  No offer - No Broker fee  basis, so you can be sure that we will do all we can to find the right solution for you. Please note that broker fees are subject to VAT at the standard rate

For a summary of all our fees, please click here.