FAQS.

When applying for a mortgage, it’s important to budget for additional mortgage-related costs. Typical fees include:

• Mortgage broker fee – for expert advice and arranging your mortgage. Not all mortgage brokers charge a fee. At CCFPL, after your free initial consultation to establish your needs, we charge a fee of £199 on advice and if applicable a second fee (this fee is up to a total maximum of £498) may be payable-depending on your circumstances-when you have received your mortgage offer.
• Lender arrangement/application fee – charged by the lender to set up the loan.
• Valuation fee – to assess the property’s value.
• Legal fees – for conveyancing and handling the legal process. Some lenders do offer free legals.
• Stamp Duty – a government tax based on property value (if applicable).

We provide clear, transparent guidance throughout your mortgage application journey, so there are no surprises and you know what to expect throughout your journey.

Business protection insurance helps safeguard your company from financial loss if a key person dies, becomes critically ill, or is unable to work. 

Key policies include:

• Key Person Insurance  – designed to help cover financial loss resulting from the death or serious illness of a key employee.
• Relevant Life Insurance  – tax-efficient life cover for directors, employees and staff members.
• Shareholder Protection  – can help facilitate the transfer of shares and provide funds for the remaining shareholders to retain control of the business if a shareholder passes away.
• Business Loan Protection  – repays commercial debts if a guarantor dies or becomes ill.

These types of protection may not be suitable for all businesses. It’s important to seek personalised advice to determine what cover is appropriate for your circumstances.