Skip links
01425 203055
HTG Mortgages

HTG Mortgages

Buy to Let Mortgage Broker Fees

Last Updated: August 2026

Featured in The Telegraph • Daily Mail • The Times • Sky News

Buy to let mortgage brokers charge in one of three ways: a flat fee, a percentage of the loan, or nothing at all because they are paid only by the lender. All three are normal. Which one costs you least depends almost entirely on how big your loan is. I charge a flat £350, payable only once your mortgage offer is issued.

A flat £350, the same whether your loan is £120,000 or £400,000

Payable only once your mortgage offer is issued. Nothing upfront

No mortgage offer, no fee

WhatsApp
Get a Quote
Mortgage Calculator
Call 01425 203055

As featured in…

Harry Goodliffe, director and FCA-authorised mortgage advisor at HTG Mortgages, at his desk

Meet your Advisor

Harry Goodliffe

  • FCA Authorised
  • Director & Mortgage Advisor

“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”

Let’s Talk About Your Mortgage

This field is for validation purposes and should be left unchanged.
First Name(Required)

When you actually pay

1

Step 1

First chat

We talk about the property, the rent and what you are trying to do. Nothing is charged for this and there is no obligation to go any further.

2

Step 2

Research

I compare buy to let options across the market, including limited company and portfolio cases, and show you the real numbers. Still nothing charged at this point.

3

Step 3

Application

I submit the application and deal with the lender, the valuation and the paperwork. Still nothing charged at this point.

4

Step 4

Mortgage offer

Your mortgage offer is issued and the £350 becomes payable. If no offer is issued, there is no fee.

About

Our approach.

Fixed fee or percentage fee?

A percentage fee grows with the loan. A flat fee does not. Publicly published broker fee scales in the UK commonly run from around 0.5% to 1% of the loan amount, so on the same three buy to let loans the difference looks like this. On a £120,000 loan: £350 with me, around £600 at 0.5%, around £1,200 at 1%. On a £250,000 loan: £350 with me, around £1,250 at 0.5%, around £2,500 at 1%. On a £400,000 loan: £350 with me, around £2,000 at 0.5%, around £4,000 at 1%. The work involved in a £400,000 buy to let is not four times the work in a £100,000 one, which is why I do not price it that way.

Rate Ending Soon

The same £350 on limited company, SPV and portfolio cases

Rental Cover Shortfalls

A 1% fee on a £250,000 buy to let loan would be around £2,500

Releasing Equity

Whole-of-market comparison across 120+ lenders

Limited Company & Portfolio

You deal directly with me from the first call to completion

Speak to an expert

Want to know what your case would cost before you commit to anything? Call me on 01425 203055 or email info@htgmortgages.com.

Get in touch

What the £350 covers

The £350 covers whole-of-market research across more than 120 lenders, working out which lenders will actually accept your case, the application itself, and dealing with the lender, the valuer and your solicitor through to offer. It is the same £350 whether the property is held in your own name, in a limited company or an SPV, and whether you own one rental property or fifteen. To be straightforward about it: there are brokers who charge you nothing at all and take only the lender commission, and on fee alone they are cheaper than I am. What you are paying me for is that buy to let is most of what I do, and that you deal with me from the first call to completion rather than a different person each time.

Where a flat fee makes the biggest difference

A flat fee makes the biggest difference on larger loans, on limited company and SPV cases where percentage fees tend to be highest, on portfolio landlords arranging several mortgages rather than one, and on anyone remortgaging regularly, because a percentage fee is charged again every time you move lender.

Why use HTG’s mortgage services?

Available 24/7, so we are always there to help when you need us

We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages

We provide unrivalled customer service, ensuring that you get the care you deserve

start-your-journey-house

Let’s get your mortgage sorted

Book a call

Frequently Asked Questions

Have another question?

It varies by firm and there is no standard. The three models you will meet are a flat fee, a percentage of the loan, and no client fee at all where the broker is paid only by the lender. Publicly published broker fee scales commonly run from around 0.5% to 1% of the loan where a percentage is charged. I charge a flat £350.

It depends on the size of your loan, and the honest answer is that on a small loan the gap is narrow. On a £120,000 buy to let a 0.5% fee is around £600 against my £350. On a £400,000 loan the same 0.5% is around £2,000. The bigger the loan, the more a flat fee saves you, which is why it tends to suit limited company and portfolio landlords most.

Only once your mortgage offer has been issued by the lender. Nothing is payable when you first get in touch, nothing while I am researching, and nothing when the application goes in.

Then there is no fee. The £350 is triggered by the mortgage offer being issued, so if the case does not get that far you do not pay me.

Yes. Some brokers charge the client nothing and are paid only by lender commission. That is a legitimate model and on fee alone it is cheaper than mine. The trade off is usually specialism and continuity, so it is worth asking any fee-free broker how much buy to let work they actually do and whether you will deal with the same person throughout.

I may receive a procuration fee from the lender when your mortgage completes. That is standard across the industry, it is paid by the lender rather than by you, and it does not change the £350.

No. It is the same £350 whether the property is held personally, in a limited company or an SPV, and whether you are buying your first rental property or remortgaging one of several. Those cases usually take more work, not less, which is one reason percentage pricing sits awkwardly with them.

The broker fee is only one line. You should also budget for the lender arrangement or product fee, a lender valuation, legal fees, and Stamp Duty Land Tax including the higher rate that applies to additional property. Your accountant is the right person to speak to about the tax side.


Harry Goodliffe
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages  ·  FCA Authorised (1017945)
CeMAP Qualified  ·  Featured in National Press  ·  South England Prestige Awards 2026/27 winner

FCA Register

Call Now WhatsApp