Our Fees
Transparent Fees
At Argyll Drummond, we believe in being completely transparent about the cost of our advice and service. We want every client to understand exactly what they’re paying for — and to feel confident that our work delivers genuine value.
How Our Fees Work
We charge a fixed fee of £650.00 for our mortgage advice and arrangement service on your first transaction with us. This covers the full process — from initial consultation through to mortgage offer and completion support.
For any subsequent transactions, such as remortgages or further borrowing, our fee is reduced to £249.00. This ensures returning clients benefit from preferential rates while still receiving the same high standard of advice, compliance and ongoing support.
What’s Included in Our Fee
When you work with Argyll Drummond, you receive:
- Expert, whole-of-market mortgage advice – tailored recommendations based on your personal circumstances and goals.
- Comprehensive research and lender comparison – we assess a wide range of products to find the right fit.
- Full application management – we handle paperwork, liaise with lenders and keep your case on track.
- Personal support throughout – clear communication at every stage until your mortgage completes.
There are no hidden costs, and we’ll always confirm our fee and any potential lender commission before you proceed.
Why We Charge a Fee
Our fee structure allows us to provide unbiased, professional advice focused solely on your best interests — not on lender incentives. It also ensures that our clients receive a consistent, high-quality service from experienced advisers who are regulated and fully accountable.
Mortgage Buyer Information
No fee is due until we submit your application to a lender. If you’ve already paid and your purchase falls through, the fee isn’t refunded; however, we’ll roll the same fee forward to your next purchase application so you don’t pay it twice.
The £650.00 initial fee is due on submission of your first mortgage application. For repeat clients, the £249.00 fee applies at the same stage for subsequent applications.
No. We believe in full transparency — there are no hidden charges for our advice or administration. If a lender has its own fees, we’ll explain those clearly before you apply.
Yes, most lenders pay a standard commission on completion, but this does not affect the advice you receive. We’ll always disclose any commission as part of our regulated process.
Once the mortgage application has been submitted to a lender, the fee is non-refundable, as the advice and research work will already have been completed.
Charging a clear, fixed fee means our advice is completely independent. It reflects the time, expertise and care that go into securing the right mortgage for your circumstances.
Ready to Get Started?
If you’d like to discuss your mortgage needs or get a clear breakdown of how our advice works in practice, our team is here to help.
Contact us today to book an initial consultation and start planning your next steps with confidence.