Whether you need mortgage advice, financial planning, investment advice or retirement planning, we've set out how our charging structure works in one place. Our aim is to make understanding our fees just as straightforward as understanding our advice.
The amount you pay depends on the service you require and the complexity of your circumstances.
If commission is payable by a product provider, this will also be explained openly as part of our advice process.
Our commitment is simple: you will always know how our services are charged before deciding to proceed.
Every advice service is different, and so is the work involved. The information below explains how our services are typically charged. Where a fixed fee cannot be provided immediately, we will confirm the exact fee after understanding your circumstances and before any chargeable work begins.
From £500
Payable upon offer and likely to include all future remortgages, should you decide to proceed with us again.
From £400
Payable upon offer. The exact charge will depend on whether you are a portfolio or non-portfolio landlord.
From £950
Payable upon offer, Where your agreed exit strategy is to repay the bridging loan through a remortgage, the fee is likely to include arranging that remortgage too.
From £1,500
Payable upon issue of the commercial finance offer.
A fixed, one-off set-up fee of £500
Upon successful set-up of your account, once it is open and ready to use.
A fixed, one-off set-up fee of £1,000
Upon successful transfer of your account.
A fixed, one-off set-up fee of £1,500
Upon successful consolidation of your accounts.
From £850
Payable upon issue of the equity release offer.
Where a client chooses ongoing advice, the ongoing adviser fee is up to 0.80% per annum, based on the value of investments held under advice.
The level of any ongoing fee is agreed with you in advance and can be stopped at any time.
In most cases, the annual ongoing advice fee is deducted directly from your account and paid to us by the provider. Alternatively, you may choose to pay the fee to us directly.
Behind every recommendation is a structured advice process designed to ensure the advice you receive is suitable, well researched and aligned with your goals.
Every advice journey begins by understanding your circumstances, objectives, finances and future plans.
We take time to learn about the person behind the numbers so that our recommendations reflect your wider life, not just a single financial decision.
We compare lenders, providers, products and solutions to identify options that may be suitable for your circumstances.
This includes reviewing criteria, costs, risks and how different recommendations may affect your wider financial plans.
Our recommendations are tailored specifically to you.
We explain why a particular option has been recommended, discuss alternatives where appropriate and make sure you understand how each recommendation supports your goals.
Advice does not end when a recommendation is made.
We help manage applications, liaise with lenders and providers, answer questions and support you throughout the implementation process.
Where ongoing advice is agreed, we'll continue to review your plans as your circumstances evolve.
To provide suitable advice, we may need documents such as proof of income, identification, bank statements or existing policy information. Delays in receiving these documents may affect the progress of your case.
Reviewing documents, researching options and preparing recommendations all form part of the professional advice process. This work takes place before recommendations are presented and is reflected in our fees.
Your initial conversation is an opportunity for us to understand your circumstances, explain how we may be able to help and outline how our advice process works. We will also discuss any applicable fees before you decide whether to proceed.
Some services have fixed fees, while others depend on the complexity of the work involved. We will always explain the charging structure before any advice is provided.
Yes. We believe in complete transparency. You will receive a clear explanation of any fees before moving forward.
For certain products, such as protection insurance or some mortgage arrangements, we may receive commission from the provider where permitted by regulation. Where this applies, it will always be disclosed to you.
Where ongoing advice or review services are available, these will be explained separately so you can decide whether they are appropriate for your needs.
At Roxton Wealth, trust begins with openness. We believe you should always understand how advice is charged, what you are receiving in return and how our recommendations support your wider financial goals. Clear communication is central to the way we work, and that includes being transparent about our fees from the very beginning.
If you would like to understand how our advice could help you and how our fees may apply to your circumstances, we would be pleased to arrange an initial conversation.
