SourcingMortgage Services

Mortgage Services

We do not arrange mortgages, and the law is right not to let us: that is regulated work. Trent Finance Limited, our group's broking arm, does it from the same building. Its mortgage arrangement fee is £750 on a standard residential mortgage and £995 on a regular buy to let, and if you are our client with an active matter, a sale, purchase, letting or search underway, you pay £650 and £850 instead. Mortgage intermediation is exempt from VAT, so no VAT arises on any of these figures.

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01

The fees

MortgageStandard feeOur clients with an active matter
Standard residential mortgage£750£650
Regular buy to let mortgage£995£850

The arrangement fee is Trent Finance's own, and the reduction is given by Trent Finance to clients we introduce, with the connection disclosed. Specialist lending, adverse credit or complex income among them, is quoted by Trent Finance individually before you commit to anything.

02

What Trent Finance actually does

A broker's value is the market you do not see: lenders who do not deal with the public, criteria that change weekly, and the difference between a rate that looks cheap and a deal that is cheap once fees and terms are counted. Trent Finance advises on and arranges residential and buy to let mortgages, including for non-resident and overseas borrowers through its network's panel, and handles the application through to offer, chasing the lender so your purchase timetable does not slip. For a purchase through us, agent and broker share a building, and a mortgage problem is found in days rather than discovered at exchange.

03

The regulated position, in full

Trent Finance Limited is an Appointed Representative of Dragon Brokers Limited, trading as The Dragon Network, which is authorised and regulated by the Financial Conduct Authority, firm reference number 599430. Trent Estate Agents Limited is not authorised or regulated by the Financial Conduct Authority, arranges no finance and gives no financial advice; this page is an introduction to Trent Finance, our connection to which we disclose to every client. Your home may be repossessed if you do not keep up repayments on your mortgage.

04

Questions we are asked

What does mortgage arrangement cost? +

Trent Finance's arrangement fee is £750 on a standard residential mortgage and £995 on a regular buy to let. Our clients with an active matter pay £650 and £850 respectively. Mortgage intermediation is exempt from VAT, so nothing is added to any of these figures.

What counts as an active matter? +

A live instruction with us: a sale or purchase in progress, a letting, or a signed sourcing appointment. If you are unsure whether you qualify, ask, and you will get a straight answer rather than a definition.

Can Trent Finance help if I live overseas? +

Yes. It arranges buy to let mortgages for non-resident borrowers through lenders on its network's panel who serve that market. Expect fuller documentation requirements and larger deposits than a UK borrower would see; the arrangement fee for our overseas sourcing and management clients is the £850 client rate.

Do I have to use Trent Finance to buy through you? +

No, never. Any suggestion that an offer depends on using an in-house broker would be improper, and it does not happen here. Use any broker or lender you wish; our service and our fees are identical either way.

Related services

Buying from overseas
Buying a Nottingham property from Dubai, Lagos, Hong Kong or anywhere else is entirely doable without flying in, provided four things are handled properly: the search, the extra stamp duty, the finance and the legal work, all of which can be done from where you live.
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Conveyancing
We do not do conveyancing, and we do not pretend to: Trent Law Solicitors does, from the same building, and our clients pay 10% less than the price its own calculators quote.
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Property Sourcing
We find property for people who cannot, or would rather not, search for it themselves: investors building in Nottingham from elsewhere, families relocating into the city, and buyers who want a professional on their side of the table for once.
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Sourcing
Sourcing is buying with a professional on your side of the table: we search, appraise from evidence, negotiate and progress the purchase, for a staged fee from 1.2% with a £1,500 minimum, and nothing is payable until terms are signed.
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Start with a figure in writing, and a straight answer.

Start a search Call 0333 3444 035