Expected Costs / Fees: Initial Consultations have no charge. If we agree to proceed, an initial advice fee applies and a typical ongoing management fee is 1% a year. Fees will be discussed and confirmed with you as outlined in our Terms of Business, provided to you in our first meeting, to be as transparent as possible.
We apply minimum fees to our standard advice services (advice which includes a personal recommendation to you), and to work we perform for you outside of our standard services, where we will tell you before we start. The minimum advice fee for our initial advice service is £1,500. The minimum fee for our ongoing advice service is £500 per year.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage fees: We may charge a fee dependent on your circumstances. This would normally be £595, but this will be discussed and confirmed with you at the earliest opportunity.
We reserve the right to charge an additional fee for cases involving more complexity, such as larger loans; multiple borrowers or guarantors; your personal situation regarding income sources, taxation, residence and credit rating; or property type, location, and freehold or leasehold variations. If we are unable to advise on an appropriate product for you, we may refer you to a third party (such as a specialist broker) which may pay us a fee for the introduction. In these circumstances, either we or the third party will tell you about any fees we receive for the introduction. We may contact you from time to time to discuss your future mortgage planning needs, for example when the initial term on your mortgage is due to end.
Max Gallagher · Financial Adviser · DipPFS · CII (MP+ER) · CertPFS (Securities) · CertPFS (DM) · CeMAP
07468 598 785 · max@financialopts.co.uk · Meetings by Teams, phone, or in person in Bury, Greater Manchester. In-person meetings at a location of your choice are also available on request. Please reach out and we can organise this directly with you at a time that suits.
Max provides restricted financial advice as an adviser of Financial Options Group, an Appointed Representative of Quilter Financial Services Ltd. This means advice is provided on a limited range of products from a panel of carefully selected providers, rather than from the whole of the market.
Financial Options Group is a trading name of CJP Financial Services Limited, which is an Appointed Representative of Quilter Financial Services Ltd, which is authorised and regulated in the UK by the Financial Conduct Authority (FCA) and is registered on the FCA Register with Firm Reference Number 440703. CJP Financial Services Limited is also registered on the FCA Register with Firm Reference Number 466798.
CJP Financial Services Ltd is registered in England and Wales. Company Number 06060099. Registered Address: 70 Market Street, Tottington, Bury, BL8 3LJ.
Tax planning, estate planning, inheritance tax planning, lasting powers of attorney, will writing, trusts, legal services, succession planning, some buy-to-let mortgages, commercial mortgages, conveyancing services, advice on cash on deposit, auto-enrolment, employee benefits, divorce advice and small self-administered schemes are not regulated by the Financial Conduct Authority.
Appointed Representative Privacy Notice · Areas I cover · Guides: Pensions · Investments · Mortgages · Insurance
© Financial Options Group · CJP Financial Services Ltd. All rights reserved.
