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Fees & Costs

Not only is taking out a mortgage a big financial commitment, there are also other fees and charges that you may be required to pay as part of the process of putting your mortgage in place.

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Plan in Advance

You will find information about some of the likely costs you can expect to incur. These costs come under a variety of headings and the exact amount you will pay will, of course, depend upon your circumstances and the type of property you’re mortgaging. It’s a good idea to discuss this with your adviser. They will be able to help you draw up a budget to cover all the likely costs you can expect to incur.

Stamp Duty

The higher the purchase price of a property, the more stamp duty you will pay. Furthermore, if the property you are buying is a buy-to- let or second home the stamp duty increases further. You can see up to date stamp duty rates by clicking here Please see the below table and accompanying examples:

Survey Fees

Depending on the type you choose, you could be paying anything from £250 for a basic report to around £1,000+ for a more detailed structural survey. Your surveyor will discuss your requirements with you.

Other Costs You May Incur

f you’re selling a property and you use an estate agent, you will typically be charged a fee usually equating to 1% – 3% of the sale price, plus VAT.

You may need to use a removal firm. They will provide an estimate of the cost based on the amount of furniture and possessions that will need to be transported and the distance you’ll be moving.

Your Lender

Here are some examples of fees and costs that could be charged by your lender.

Legal Costs

Your solicitor or conveyancer will charge you for carrying out all the legal work involved in your purchase. You will also have to pay for any searches that are required.

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JFS Mortgage & Financial Services
JFS Mortgage & Financial Services
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Andrea KearnsAndrea Kearns
11:18 06 Jun 23
We have used John and JFS Mortgage Services for a number of years now and would not use anyone else. John is always on hand to offer help and advice and is always very responsive by email and phone.We have just re-mortgaged as our deal was coming to the end of the fixed rate. John sourced a number of options for us and offered helpful and professional advice - nothing was too much trouble.Highly recommend and a very professional and personable service that is second to none!
Phoebe BennettPhoebe Bennett
15:11 07 Apr 23
As first time buyers, John was extremely helpful in answering all the questions we had throughout the process. He was always available and quick to update us with any progress. Would highly recommend John’s services as he has made our house buying process swift and efficient!
Jack SeaborneJack Seaborne
16:32 06 Feb 23
John was a great help throughout the process of buying our home and we highly recommend his services. John's great manner helped us feel comfortable enough to ask what felt like daft questions as first time buyers. Always quick to respond to queries
Kerry ParkerKerry Parker
14:23 01 Feb 23
We've just used John's services for the second time when it came to remortgaging our home as we came to the end of our fixed rate.John was extremely helpful, helping us to secure the best rate possible. Very professional and always quick to reply to any questions or assist us with any issues!We would highly recommend JFS Mortgage & Financial Services.
Michael McAndrewMichael McAndrew
19:13 24 Nov 22
John was a fantastic help throughout our mortgage process. From initial thoughts at the beginning of our house search until exchange day, he was always available via message or email to help with our many questions. Being first time buyers, we could not thank John enough for his help with everything from advice, sourcing mortgages to insurance recommendations. We would 100% recommend JFS Mortgage & Financial Services for any future home buyers.
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JFS Mortgage & Financial Services

YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. 

The Financial Conduct Authority does not regulate some forms of buy to lets. There will be a fee for our services, the exact amount will depend on your circumstances and precise details will be given to you on initial enquiry and you will not be expected to proceed until you have had the fee details in writing and have agreed the fee amount.

The guidance and/or information contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK

JFS Mortgage & Financial Services, a trading style of JFS Mortgage Services Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

JFS Mortgage Services Limited is registered in England and Wales with company number 06528059.

Registered Office: 139 to 143 Union Street, Oldham OL1 1TE.

Part of the HLPartnership Mortgage & Protection Network

Contact Information

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