This is a hard question to answer. 

Our fees depend on the tailor made plan we design for you. 

We offer our initial telephone conversations and initial meetings at our own expense, so you’re not agreeing to anything before we are able to give you a final cost. 

This is because we don't know how complex your solution may be. 

Our fees are based on the amount you are investing and what solution you are investing into. Normally this would be a percentage of your investment or an agreed set fee. 

You have the option to pay out of a plan you may be transferring or with a cheque from a personal account. We will explain what would be the best way for you to pay any fees to ensure you will have the best price possible and extra costs.

Most of our fees are paid monthly directly from the investments. 

We always agree any fees before we commence any work on your behalf and doesn't matter what your decision is, we won't charge you to discuss your case with us. 

✅ Fair Value Commitment

At Linkage Financial Solutions, “fair value” isn’t just a regulatory term. It’s the standard we hold ourselves to across every product, fund, and service we offer.

The Financial Conduct Authority’s Consumer Duty places fair value at the heart of financial advice. That means it’s not just the products and funds we recommend that must meet this benchmark, our advice fees and ongoing services do too. And rightly so.

We’ve created formal Fair Value Statements for our services, ensuring transparency and consistency.

Behind the scenes, we carefully monitor providers and fund managers to ensure their offerings are fair value. If a product doesn’t meet the mark, it’s removed from our recommendation list.

As of today, every product and fund we use meets the fair value standard.

💬 Our Advice Fees

We tailor every plan to your unique goals, so our fees vary accordingly. But here’s what you can always count on:

Your initial conversations with us are at no cost.
This gives us time to understand your needs before putting a price on anything.

Fees are agreed in advance, never after the fact.
We’ll walk you through every option, ensuring it aligns with your budget and plan.

You choose how to pay. Either from transferred plans or a personal account.
We’ll help you find the most cost-efficient method, with no hidden extras.

Most fees are paid monthly from your investments, keeping things simple and manageable.

And no matter what decision you make, talking to us is always free. If you're unsure or have a concern, we’re here to listen without any pressure or cost.

Consultation - At our cost

Advice & Implementation

Please ask for a personal quotation.

Ongoing fees are based in the level of service which varies. Typical between 0.5% to 1,25%. (typical 1% average) and paid monthly.

We reserve the right to charge more or less based on the complexity of the tailored solution and service required.

We agree our fees in advance and we will never charge you without your agreement.

At our expense, we don't charge for a chat, coffee or tea!!

Fee Structure

We believe in keeping things clear and simple when it comes to fees. Depending on the type of mortgage or lending we help arrange, our typical charges are:

Residential Mortgage: Up to £595.00 – payable only once your mortgage offer is in place.

Equity Release: Up to £1,799.00 – paid when your offer is confirmed.

Buy to Let Mortgage: Up to £695.00 – again, only payable upon offer.

Commercial Lending & Second Charge Mortgages: Costs depend on the complexity, but the typical fee is up to 2.25% of the loan amount – payable on offer.

We only charge when real progress is made, so you’re never out of pocket before things start moving.

Existing Mortgage customers will have special discount terms on re-mortgages

We reserve the right to charge more or less based on the complexity of the tailored solution and service required.

We agree our fees in advance and we will never charge you without your agreement.

We also will review your Mortgage Protection insurance free of charge.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Equity Release – This form of lending is most suitable for those over 65, however, it’s possible to do this if you are over 55.It is important to understand that these are lifetime mortgages and to understand their features and risks, you will need to have a personalised illustration.

Most BTL mortgage lending is not regulated by the Financial Conduct Authority (FCA).

Most commercial mortgages are not regulated. The only major exception to this rule occurs if 40% or more of a property secured against a loan is residential.The interest rate on commercial loans is often higher than the rate on personal loans. This means you'll have to pay more in interest over the life of the loan. You may also have to pay fees for taking out a commercial loan.