Fees

This is a hard question to answer. 

Our fees depend on the tailor made plan we design for you. 

We offer our initial telephone conversations and initial meetings at our own expense, so you’re not agreeing to anything before we are able to give you a final cost. 

This is because we don't know how complex your solution may be. 

Our fees are based on the amount you are investing and what solution you are investing into. Normally this would be a percentage of your investment or an agreed set fee. 

You have the option to pay out of a plan you may be transferring or with a cheque from a personal account. We will explain what would be the best way for you to pay any fees to ensure you will have the best price possible and extra costs.

Most of our fees are paid monthly directly from the investments. 

We always agree any fees before we commence any work on your behalf and doesn't matter what your decision is, we won't charge you to discuss your case with us. 

100% Guarantee

We don't hide our fees in our web page and we guarantee that we are not beaten in price based on the quality of our research, solution and service.

Fees & Fair Value

Fair Value

The Consumer Duty brings “fair value” of all products and services to the fore front of all that we need to do when advising customers. This means that not only products and funds need to deliver fair value but all Linkage Financial Solutions services too.

We have created fair value statements for the services we offer such as ongoing service and our advice fees.

We have been working behind the scenes to ensure that all products and funds that we use are offering fair value and providers and fund managers have to assess their own products and confirm these as fair value.

If a product is not deemed to be of fair value, the provider of the product must ensure this is no longer “on sale” so that it cannot be recommended to clients.

Currently, all products we use are of fair value.

Our fees depend on the tailor-made plan we design for you. We offer our initial telephone conversations and initial meetings at our own expense, so you’re not agreeing to anything before we are able to give you a final cost. This is because we don't know how complex your solution may be. 

Our fees are based on the amount you are investing and the solution you are investing in. Normally, this would be a percentage of your investment or an agreed-upon fee.  

You have the option to pay out of a plan you may be transferring or with a check from a personal account. We will explain what would be the best way for you to pay any fees to ensure you will have the best price possible and no extra costs. Most of our fees are paid monthly, directly from the investments.  

We always agree to any fees before we commence any work on your behalf and it doesn't matter what your decision is. 

We won't charge you to discuss your worries with us & to help you find a solution. Contact us now.

Reviews

Ricardo was very helpful and reassuring when giving advice regarding a company pension scheme and very helpful completing the necessary forms during...  Read more
Jul 25, 2024
Rob
Excellent advice provided by Ricardo. Very down to earth and was very beneficial to us. We will definitely use again in the future when the need...  Read more
Jul 15, 2024
Sarah Barker

Fees

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Consultation - At our cost

Advice & Implementation

Up to Hourly Rate Adviser £350
Maximum Hourly Rate Administration £175 

Maximum charge of £25,000 (71.42 hours at £350 per hour.)

From To Rate

 £0 to £100,000 4.00%   

£100,000 to £250,000 1.50%

£250,000 to £750,000 0.30%   

£750,000 to £1,000,000 0.03%

Over 1m 0.01%

Ongoing Fees

Ongoing fees are based in the level of service which varies. Typical between 0.5% to 1,25%. (typical 1% average) and paid monthly.

We reserve the right to charge more or less based on the complexity of the tailored solution and service required.

We agree our fees in advance and we will never charge you without your agreement.

Mortgage Fees

Consultation

At our expense, we don't charge for a chat, coffee or tea!!

Implementation

The typical fee is £495.00 for a residential mortgage on normal terms. Paid on application, which will be fully re-funded if you don't exchange contracts due to reasons beyond your control. If you decide not to proceed the full fee will occur. 

  • For Equity Release, the typical fee is £1,799.00 
  • Buy to let mortgage typical fee is £695.00
  • Existing Mortgage customers are free of re-mortgages.
  • Commercial Lending or Second Charge the fees are dependent on the complexity of the case. The typical fee is 2.25% of the loan amount.
  • We reserve the right to charge more or less based on the complexity of the tailored solution and service required.
  • We agree our fees in advance and we will never charge you without your agreement.
  • We also will review your Mortgage Protection insurance free of charge.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Equity Release – This form of lending is most suitable for those over 65, however, it’s possible to do this if you are over 55.It is important to understand that these are lifetime mortgages and to understand their features and risks, you will need to have a personalised illustration.
Most BTL mortgage lending is not regulated by the Financial Conduct Authority (FCA).
Most commercial mortgages are not regulated. The only major exception to this rule occurs if 40% or more of a property secured against a loan is residential.The interest rate on commercial loans is often higher than the rate on personal loans. This means you'll have to pay more in interest over the life of the loan. You may also have to pay fees for taking out a commercial loan.

Contact

Transform Your Financial Future and speak with an Idependent Adviser

An email will be sent to the owner