For all mortgage related advice, we will have a further discovery meeting at our own cost. This meeting allows us to discuss your circumstances in more detail, as well as obtaining more information from you. This further discovery meeting does not come with any obligations to progress further.

Following our discovery meeting, and after your signed consent to proceed, we will begin our research. Once we have found the most appropriate mortgage for you, we will discuss our recommendation with you, providing an explanation as to why this is the right mortgage for you.

When assessing your remortgage needs, our recommendation may be that you should change to another mortgage product with your existing lender. As this involves less work, we would typically charge a lower fee to clients. However, as we are providing fee-free mortgage advice to employees of HCR, there is no difference in cost between mortgage, remortgage or product transfer advice.