FAQs

Q What is the ‘Level of Service’ that you can expect from us?
A We will advise and make a recommendation for you after we have assessed your needs.

Q With whom do we arrange mortgages?
A We offer mortgages from the ‘whole market’.

Q And Insurance?
A We arrange Insurance on the basis of a ‘fair market analysis’. This means that we deal with a large number of insurance companies helping to get you the most competitive premiums.

Q What will you have to pay us for this service?
A Some mortgage brokers charge fees to help you arrange the mortgage, they usually also receive a fee from the lender once the mortgage completes.
At Stuart Brown Mortgage Services we believe in providing a good service and relying purely upon the fee received from the lender so that we can cover our costs in running our business and keep the costs as low as possible for our clients.
For this reason we will not normally charge a fee for our service. As a result of this we are much more reliant on referrals from our clients and recommendations. We sincerely hope that once you have taken advantage of our service you will happily recommend us to friends, family and colleagues.
The Financial Services Authority (the organisation that regulates Mortgage Advice) dictates, however, that we must offer our clients the option of paying us a fee to prove our independent status. If, therefore you would prefer to pay us a fee then this option is also available to you.
No fees are payable to us in advance of mortgage completion therefore there are no circumstances under which Stuart Brown Mortgage Services Ltd will need to refund any fees to you.