Our Fees and Charges

Investments and Pensions

Initial advice services

Before we provide any services to you, we will gather information about your circumstances and needs. We will not make a charge for this.

After this we will charge you:

A one-off ‘adviser charge’ as a percentage of the initial investment amount as follows:

£1 - £49,999

£50,000 - £99,999

£100,000 and above

Or

An ‘adviser charge’ based on the amount of time spent, as per the following hourly rates:

Adviser

Administration

Research

3 % - subject to a minimum of £250 and a maximum of £1000

2 % - subject to a minimum of £1000 and a maximum of £1500

1 % - subject to a minimum of £1500 and a maximum of £2500

£200 per hour

£50 per hour

£25 per hour

Once agreed, the ‘adviser charge’ amount will not change, except where your needs or circumstances differ from our initial expectations.

We will tell you how much the initial ‘adviser charge’ will be before you complete an investment, but you may ask for this information earlier.

Ongoing Services

There will be an additional charge for any ongoing work, such as periodic or ongoing reviews we carry out on your behalf. We will confirm the rate, frequency and length of any ongoing service(s) before commencing that ongoing service.

Ongoing services offered:

  • Ongoing meetings

  • Reporting

  • Investment monitoring and review

  • Contact

  • Administration

  • Professional services

We charge on a tiered basis* based on the amount currently invested. This is paid to us monthly.

Over £1m

Over £500,000

Over £100,000

Under £100,000

0.5%

0.6%

0.7%

0.8%

*Charges effective 1st January 2026.

We will agree what will be charged before any service(s) provided and the amount will be confirmed within our ‘Service & Payment Agreement’.

We will also provide you with an Aggregated Costs document in relation to certain investment type. This will provide you with information on the total costs to you of the financial products and services that have been recommended for these investment types and illustrate the impact of those costs on your investment returns. This will include all third-party product and service costs as well as our firms’ own adviser charges. This will be provided to you before any investment transactions take place and on an ongoing basis where you have selected to take ongoing services.

Insurance

You will pay for our services on the basis of:

We arrange the policy with the insurer on your behalf. You do not pay us a fee for doing this. We receive commission from the insurer which is a percentage of the premium you pay to the insurer.

You will receive a quotation that will tell you about any other fees relating to a particular insurance contract.

Mortgages

You will pay for our services on the basis of:

Residential and BTL Mortgage Applications

Equity Release Applications

£500 payable on application

£650 payable on application

We will receive commission from the lender. The exact amount of commission we will receive is not known to us at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

We will tell you how much the total fee will be before you apply for a mortgage, but you may ask for this information earlier.

You will receive a key facts illustration / ESIS when considering a particular mortgage, which will tell you about any fees relating to that mortgage.

You also have the right to request an illustration / ESIS for any mortgage we offer.