Why do you say £199 to £399?

Most of the time, where the mortgage is straightforward my fee will be at the lower end of these figures. However sometimes it can be really difficult to find a lender that meets a specific person’s criteria. They may have just started a new job, be paid in foreign currency, be on a temporary contract, recently become self-employed or raising finance to build their own property.

Any of these scenarios can result in the need for significantly more research before finding the right lender and product. After which, the case may require lots of supporting documentation. Like I say, in most cases mortgage are pretty straightforward if like me you have been doing lots over many years.