100% Fee Free

Fee Free?

How Fee Free Mortgage Advice Works

The biggest question we get here at Search Mortgage Solutions is how can we afford to give you mortgage advice when we don’t charge a fee?

Many mortgage brokers do charge their clients a fee for arranging a mortgage and are adamant that they will continue to do so. The argument is that, because of tighter regulations, arranging a mortgage is much more time consuming, so they need to charge a fee for their work. However, the truth is that these brokers are actually getting paid twice: once by charging a fee to you of up to 1.5% of your loan amount and again through commission which they receive from the lender (known as a procurement fee).

When we started the business many years ago, our objectives were clear… to always put the client first. And based on the fact that we are a “whole of market” mortgage broker, we wanted to lead the way with being a fee-free broker too. Our business model was set up to allow this and, as a result, we save our clients several hundreds of pounds of initial set up fees which are unnecessary, instead taking our payment in the form of commission from the lenders.

We charge no fee for advice or for carrying out the complete mortgage application procedure.

As a fee-free broker, you go that extra, extra mile

Brokers who do charge a fee argue that this allows them to give a much better service and that they’ll go the extra mile, but surely this can be questioned as they will be paid a fee by the client irrespective of the mortgage being approved and completed. It’s much more the case that, as a fee-free broker, you go that extra, extra mile to ensure that you source your clients a correct deal to suit their circumstances and the case completes or there is no fee at all paid to them for all the completed work.

Not aware that there are fee-free mortgage brokers

Most potential mortgage clients are not aware that there are fee-free, whole of market mortgage brokers and that they can get the same, if not better, client service from a fee-free whole of market mortgage broker while saving hundreds of pounds both initially and at the point of when the initial rate finishes and is up for a review. During the lifetime of a mortgage, there could be twelve initial rate reviews which could save a client an average of nearly £4,000 on unnecessary costs, simply by using and sourcing a fee-free mortgage broker such as Search Mortgage Solutions.

To find out more about how we can help you to secure your dream home, completely fee-free, be sure to give us a call on 0800 756 7794, request a call back.

What our clients think

  • Aaron was fantastic. We had a few highs and lows in our house buying process and he guided us through the issues expertly and was always on hand to answer our queries or calm our nerves! He went the extra mile for us and we really appreciate it. Thanks Aaron!.

    Liz Lawson
  • I found Aaron at Search Mortgage Solutions extremely helpful and a necessity in sourcing a remortgage and new mortgage. I find all of the legal vocabulary very confusing, so having Aaron break it all down for me and go through the different options made it manageable. Quick, efficient and easy. I would highly recommend this company..

  • I cannot recommend David and Search Mortgage Solutions highly enough, the service was exceptional throughout the whole mortgage process. I work away a lot and found it difficult to arrange an appointment with lenders, but David came to see us on a Sunday night to go through the initial application and always had time to answer any subsequent queries and keep us up to date. I felt confident that the whole team were giving us the very best service they could, and they could be relied upon to chase the application on our behalf and to deal with queries from the lender to take as much hassle away from us as possible. I would recommend to all of my friends and colleagues, and we’ll be back in 3 years for the renewal!.

  • I have been extremely happy with your assistance in helping us find and apply for our mortgage. You have always promptly responded to any questions I have had along the way and been clear and concise with all the information you have provided. You have made everything much smoother and easier to understand than I ever thought possible! Vicky Hayward you are a star – you go above and beyond I’m sure. You do a fabulous job and I will definitely be recommending you..

    Kay & Chris
  • Search Mortgage Solutions were recommended to me by a work colleague who had said they had been very helpful with the purchase of her first home and she wasn’t wrong! I didn’t really understand how the whole mortgage process worked as I was a first-time buyer, but David was excellent at explaining the process and he was very helpful and friendly. He was always prompt at replying and always kept us up to date with progress, he even sorted our life insurance too. The whole process was made simple and so stress-free and I would highly recommend David and the Search Mortgage Solutions team to friends and family. Thank you so much!!.

  • This is the second time that I have used Search Mortgage Solutions and once again I’ve been very impressed. My advisor went out of his way to do additional research by talking directly to a series of underwriters and offered me a range of advice about how to increase my ability to borrow. The service has been friendly and efficient and, in terms of the product secured, got me exactly what I need. I’ll be recommending SMS to any friends who need a mortgage broker..

  • I have used Search Mortgage Solutions twice now in the last 2 years, first when my wife and I purchased our first home, we had received so many knock backs from other brokers saying it wasn’t feasible yet David was excellent he searched the market effortlessly and worked hard to get us a deal which we could afford. Always kept us up to date with progress and even sorted our life insurance too. Therefore I had no hesitation returning when our fixed period was up to remortgage to a better deal which was taken care of swiftly. I have already recommended David and Search Mortgage Solutions to friends and family and will continue to do so..

  • I just wanted to drop you a quick line to say thank you so much for all your help with the mortgage. As first time buyers you made the whole process extremely simple and stress free and we cannot thank you enough for all your assistance. Feel free to post this review on any websites you use. Thanks again for everything!! Thanks..

    Anne Marie
  • Search Mortgage Solutions where very courteous and prompt in all correspondence, further providing all necessary information in easy to access files that could be accessed via PC or mobile phone. When we agreed upon a new mortgage quote, Search Mortgage Solutions took care to arrange everything and have it all delivered to our home. Overall the service was prompt, friendly and thorough and we would highly recommend to anyone..

Search Mortgage Solutions


Search Mortgage Solutions
125 Deansgate,
M3 2BY
0161 710 2587


Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage

© 2023 - Search Mortgage Solutions - Mortgage Broker Manchester