The company charges fees for administration and consultancy which cover various activities carried out by Trafalgar Square on a client´s behalf.

From mortgage application to offer stage normally takes an administration time of 8 to 12 hours, irrespective of the loan size. Fees are charged in two ways:

• First Three Mortgages or Remortgages·

• Then a discount of £100 for all repeat business

• First-Time Buyer Mortgages (£100 discount)

• Further Advance, Secured Loan or Bridging Finance

Both types of fee are paid to Trafalgar Square and pre-agreed prior to the commencement of any work being carried out for a client. All the fees are brought to a client´s attention prior to any application. The Administration Fee protects a client from lender-fee bias.

1. Initial mortgage review and Fact Find; face-to-face or telephone meeting.
2. Discussion of mortgage strategy options.
3. Research across the whole market to match needs with products available.
4. Preparation of research options.
5. Issue of key facts illustrations.
6. Application submission to the lender on-line or via paper application.
7. Organisation of general insurance requirements where required.
8. Collation of required documentation for the lender.
9. Communication with vendor or estate agents as instructed.
10. Regular communication with clients throughout the application process.
11. Communication with lender´s underwriters for production of the offer.
12. Check of offer details.
13. Guidance to exchange of contracts.
14. Liaison with estate agents and solicitors to organise completion.
15. Liaison with solicitor to fulfil all lenders´ conditions.
.

1. Organisation of life assurance requirements where required.
2. Organisation of solicitor´s instruction where required.
3. Organisation of the survey.
4. Analysis of the survey report.
5. Organisation of valuer comparables if required.