Terms & Conditions

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Mortgage Style Ltd is an appointed representative of Owen & Associates which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.

Typically for arranging your mortgage the fee charged will be £295, and as much as £495, payable on application although we may be able to take the fee on production of the mortgage offer in some cases. The fee may vary, depending on the size of the loan i.e. larger loans may attract a lower fee and smaller loans or more difficult cases may attract a higher fee.

WE WILL CONFIRM THE FEE APPLICABLE TO YOU ON YOUR FIRST APPOINTMENT. We will also be paid commission from the lender.

Fees are only payable if you arrange your mortgage through us so initial discussions and meetings will not incur a fee.

Alternatively if you prefer we can charge you £175 per hour to establish your needs, research the market, recommend the most suitable mortgage for you and process the application. Therefore, if we spent 7 hours doing this work it would mean a total fee payable of £1,225. However, it could be more or less than this, depending on individual circumstances. This figure will be payable, whether or not the mortgage goes through to completion. We will refund to you any commission we receive from the lender.

Your home may be repossessed if you do not keep up repayments on your mortgage.