No Broker Fees | Cashback on Completion
On a £500,000 loan, a typical 1% broker fee would cost you £5,000. With our Core Funding product you pay no broker fee — and receive £500 back on completion.
At Churchbridge, we believe every client relationship should start from a position of trust and putting the Borrower first. That's why, in every case, we return cash to you on completion — 10% of the commission we earn, paid directly to you, no strings attached and no cap. To the best of our knowledge, no other broker in the UK offers this as standard.
We know that borrowers are often under-budget for the legal and valuation costs that come with a bridging or development transaction, so we treat this as a buffer you can put toward those costs, rather than keep it all for ourselves.
We keep it simple — we have two products for you.
For the majority of transactions — standard first charge and second charge bridging, development finance, and VAT loans — we charge no broker fee at all. Many brokers charge between 0.5% and 2% on top of the commission they already receive from the lender. We don't.
And we go one step further: instead of keeping our full commission, we return 10% of it to you on completion.
No broker fee. No hidden charges. Cash back, as standard.
| Item | Amount |
|---|---|
| Loan amount | £500,000 |
| Lender's arrangement fee (typically around 2%) | £10,000 |
| Our commission (1%, paid by the lender from its fee) | £5,000 |
| Cashback to you on completion (10% of our commission)* | £500 |
For context, the lender's own arrangement fee on this loan is typically around 2%. Our 1% commission is paid by the lender out of that fee — it is not an additional cost to you.
*Cashback applies to borrowers who come to Churchbridge directly. If you have been introduced to us by a broker or other intermediary, you are that firm's client rather than ours, and cashback does not apply.
Some transactions need more: unusual security, complex ownership structures, or a scenario that needs structuring before it's ready to go to a lender. For these, our team does the structuring work upfront to get the transaction into a structure a lender can say yes to.
For Bespoke Finance Structuring, we charge a discretionary broker fee, capped at 1% of the loan amount. Cashback still applies — you continue to receive 10% of our commission on completion, on top of the work we do to structure the deal.
A broker fee for the structuring work. Cash back, still as standard.
| Item | Amount |
|---|---|
| Loan amount | £500,000 |
| Lender's arrangement fee (typically around 2%) | £10,000 |
| Our commission (1%, paid by the lender from its fee) | £5,000 |
| Broker fee (up to 1%, payable by you) | £5,000 |
| Cashback to you on completion (10% of our commission)* | £500 |
For context, the lender's own arrangement fee on this loan is typically around 2%. Our 1% commission is paid by the lender out of that fee. The broker fee is the only amount you pay us directly.
*Cashback applies to borrowers who come to Churchbridge directly. If you have been introduced to us by a broker or other intermediary, you are that firm's client rather than ours, and cashback does not apply.
We welcome every enquiry. With access to a wide panel of specialist lenders, it is always worth a conversation to see how we can help.
Get in touchBridging & commercial finance specialists
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