Commission and Fees

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We believe every borrower should know exactly how their broker is paid. Many brokers charge a fee on top of the commission they receive from the lender. We have chosen to do things differently.

Commission from the lender

When your loan completes, the lender pays us a commission out of its arrangement fee. The arrangement fee is part of the lender’s standard pricing, so using Churchbridge does not add to the cost of your loan. We do not work with lenders who increase their pricing in order to pay brokers more.

10% cashback for direct clients

For every direct client, we pay 10% of the commission we receive from the lender back to you. For example, if we receive £10,000 in commission, you receive £1,000. The cashback is paid on completion, once we have received our commission.

Core Funding

For our Core Funding product, we charge no broker fee at all. You receive the full benefit of our lender relationships, and 10% of our commission back.

Bespoke Funding

Some transactions need structuring before they can be presented to lenders. For our Bespoke Funding product, we may charge a broker fee, which is capped at 1% of the gross loan. Any fee is agreed with you in writing before we begin, and you still receive 10% of the commission we receive.

Who the cashback applies to

The cashback is available 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, so the cashback does not apply. Any fees your broker charges are a matter between you and them.

Full transparency

Every fee and commission is set out in writing in our Engagement Letter before you commit to anything.