There is no charge to use this service for residential mortgages only, and there’s no obligation to take your quote forward. Our mortgage specialists will weigh up your options and tell you the costs of taking out a new mortgage deal upfront and typically look at all the fees before recommending the most suitable option and mortgage term

If you decide to proceed, we don’t charge any brokers or advice fees for residential mortgage advice, including for non-standard mortgages where there is perhaps unusual property construction or poor credit. We do however charge fees for buy to let mortgages of £495 or to arrange commercial, development or bridging finance of £995 where fees are due they are payable on application.

The Financial Conduct Authority does not regulate business buy-to-let mortgages as well as some types of bridging loans and commercial mortgages.

Lenders pay us fees for arranging mortgages but these fees are not added to the total cost of the mortgage. The amount of the fee the lender will pay to us will depend on the mortgage and will be disclosed to you before we apply for your mortgage and will also be shown in your mortgage offer.

We aim to make the whole process as painless as possible. We’ll find you a great deal based on your priorities and circumstances, complete all the paperwork for you to sign (this could be electronic, paper based or both depending on the lender) and then we’ll chase your case to completion.

A bank or building society adviser will only recommend their own products. We are independent financial advisers and therefore are able to research and arrange mortgages from the whole of the market.

You need to arrange your mortgage though us and have not arranged a mortgage or re-mortgage through Teachers Financial Planning before and be applying for a mortgage of £50,000 or more.

For full terms and conditions please see here.

The mortgage market moves very quickly – to ensure clients are able to secure the best deals we provide mortgage advice over the telephone with documents delivered through the post and email and applications to providers are submitted electronically where possible.

The Teachers Mortgages website is operated by Teachers Financial Planning Ltd. We are a firm of independent financial advisers that have specialised in offering financial and retirement planning advice to teachers since 2011.