Our fees

We do not charge fees for your initial consultation
We do not charge fees if you ‘Product Switch’ your mortgage with us
If there is a fee, we’ll only ask for it when we submit your mortgage application
Read on for clarification of which products we do (and don’t) charge for

We do not charge a fee for the initial client consultation

It’s not in our nature to charge customers for an initial chat or to pick our brains. And, during that chat, we’ll outline what fees might apply to you and why based on your enquiry.

We only charge for services directly linked to getting your mortgage. That’s why we only charge our broker fee at the point of the final mortgage application (not the Decision in Principle).

We do not charge for your initial consultation or for Product Switches. This includes securing a product switch/transfer with your existing lender.

When and where our fees apply

We will charge a broker fee for arranging both residential and buy-to-let mortgages at the point of submitting the final application to the lender.

Our broker fee incorporates the heavy lifting, so you don’t have to. It covers:

Extensive research to find the best mortgage for your unique situation
The inherent market knowledge and access we’ve nurtured since 2004
The advice we give, based on getting to understand you, your situation and your goals
Packaging and administering your mortgage application to specialist underwriters
Communication with the key players at every step, including estate agents, conveyancing solicitors and valuers

Why there is no one set broker fee

Freelancer Financials is a specialist mortgage broker. As such, we provide a vast array of mortgage products. To do that, we have to deal with specialist underwriting teams at many lenders. Different lenders charge different rates, depending on particular products or policies.

That said, our standard broker fee for a new mortgage/remortgage is typically £599. If your fee is going to differ, we’ll tell you at the earliest stage possible.

Your eventual fee will accommodate these key factors:

How much you want to take out a mortgage for
The type of property you’re looking to buy
Your unique personal situation
Your credit score/history

To understand more about our fees and the advice we give, please get in touch.

Freelancer Financials is a multiple award-winning brand of Mortgage Quest Ltd. You can find details of our FCA accreditation here.

Rated 5 out of 5 stars based on 900+ Google and Facebook customer reviews

Go to Google reviews

					Another seamless mortgage renewal through Andrew Saunders at Freelancer Financials (despite throwing ever more complexity his way)! After 10 years I really can't recommend Andrew enough - from start to finish, he always makes the entire process efficient and straightforward, and his expertise in navigating the complexities of contractor mortgages is clear. Huge thanks also to Leanie Freed.				
Sally Verney
11/06/2025
					I cannot thank George Yerou enough for all of his help and advice !The customer service was outstanding, and the solution for my case was exactly what I was looking for. George went above and beyond to help me understand my options and pick the right one. I highly recommend contacting George and Louisa for all your mortgage deals.They genuinely look out for your best interest. I am so grateful. Amazing experience!				
Hulya Kadan
05/06/2025
					Both George and Louisa have vey helpful. They were prompt, precise and very open when they explained the alternatives. It was a pleasure to work with them.				
ozgur akin
29/05/2025
					I have to say I was delighted with the service I received from Raj and the team at Freelancer Financials. I was in an extra difficult position having just come off a contract and gone onto a perm role, and so falling neatly into neither set category, and he still got me a decent mortgage. Also great communication all the way along. Thanks Raj!				
Catherine Baker
20/05/2025
					George and Louisa were absolutely outstanding in helping secure a mortgage for a complex, specialist case. Their communication was second to none – always clear, prompt, and incredibly supportive throughout the entire process.What really stood out was their proactivity. They were always one step ahead, identifying potential issues early and working tirelessly to keep things moving smoothly.Thanks to their expertise, professionalism, and dedication, what could have been a stressful experience was made straightforward and stress-free. I am so grateful for their help and wouldn’t hesitate to recommend them to anyone in need of a top-tier mortgage broker.				
Katie Tattersall
20/05/2025
					This is our third time using the services of Andrew Saunders and he has provided professional and seamless advice and support that we are extremely grateful for. In the past we have found mortgage applications to be both time consuming and stressful but Andrew ensures that advice is easy to follow and the process pain free. Thank you.				
Hannah Sparks
16/05/2025
					I've been working with Andrew at Freelancer Financials for over 10 years now, and every experience has been absolutely fantastic. From start to finish, Andrew has consistently provided expert guidance, clear communication, and a genuinely supportive approach throughout each mortgage process. His deep understanding of the market, especially for freelancers—has made what can often be a stressful time feel seamless and manageable. I wouldn’t go anywhere else and can’t recommend him and the team highly enough. Thank you for all your help over the years!				
Natasha Tobin
06/05/2025
					Andrew Saunders helped me with my first mortgage application when I was contracting and really struggling to find an offer elsewhere. The experience with FF was so great and Andrew and Leanie were so fantastic that I’ve continued to remortgage with them ever since, despite no longer being a contractor! Always top star service, and I know I’m getting the best rates possible with them so it’s one less thinf for me to worry about when remortgaging time comes around!				
Lyndsey Cargill
03/05/2025
					Great service from George and Louisa in brokering a mortgage for me. Very knowledgeable, good communication, highly recommended.				
Stuart Hepburn
29/04/2025