Colin Chapman t/a Middle England Financial Services



On both mortgage and insurance services we can offer services based on an individual basis.

Our services are currently limited to clients with an existing relationship.

Payment for our services ban be agreed as either commission or fees ( fee based means you recieve a rebate of any commission)

The following fees apply for my default mortgage service;

NOTE We do not offer mortgages on a non advised basis

Advise process broken down as :

Initial telephone discusion - free

THEN if instructed -
1, For factfinding discussion and recommendation of product type by :

email/phone ..............................................£50 OR If face to face appointment is required ..........£80 ( includes travel upto distance of 15 miles from B74 - further distance will incur additional cost for mileage/ time )


B. For research of the products ( including direct / existing lender deals ) based on rate/ fees/ overall cost/criteria - product type decided during factfinding ..............£100

The above is usually charged in stages as work is undertaken .

C. Processing of a mortgage deal via our agency ............ 0.1% of loan , min £300 Max £600
(ie £300 on £300,000 ) * only payable if deal completes. No processing fee payable if you use our advice and then make a direct application or do not complete via ourselves - you are free to use any adviser if they can transact it cheaper

* Remember that if the recommended deal pays us commission ( you will be told before we start processing ) – you get it all back on completion (via our agency) after deduction of outstanding fees ( average fee earned on a £300,000 mortgage is £1000 ) which may mean a net rebate.

No fee / Commission basis may be available on request.



- For insurance products, again our normal default service is "no fee* as we take commission" . *We reserve the right refuse to act on a no fee basis or to offer our services only with a fee on top of commission ( this will be agreed before any chargeable work is carried out).
Our optional fee based service will be based on time spent charged at £60 per hour ( minimum £300 ) again should you prefer a fee based service, fees are payable in stages , but all commission is refunded (either a cashback or to enhance product terms)

We use a range / panel of insurers for insurance products , but due to the nature of the industry we cannot access all providers , as some will not provide agencies.

On occasions we may make special promotion on a single provider products - this will be clear from our literature



Our permitted business is advising on and arranging mortgages, and non-investment insurance contracts

The firm is entered in the FSA's Register - Our FCA register number is 302287 is also a trading name of Colin Chapman as registered on the FCA register


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Colin Chapman t/a Middle England Financial Services is Authorised and Regulated by the Financial Services Authority. .Not all products deatiled on this site may be regulated by the FSA © Copyright 2008 Colin Chapman. All Rights Reserved.