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Frequently asked questions

Why is there a fee if some brokers are free?

While some brokers are lender-paid, our upfront fee ensures truly independent advice tailored to you—not just what earns us a commission. This saves you thousands long-term by finding the best deal, not the easiest.

Can I get refunded if my mortgage isn’t approved?

If we can’t secure your mortgage, you’ll only pay the initial fee—no hidden charges. We’ll also explain why and help improve your application.

What does the fee cover?

Our pricing varies depending on A full affordability assessment
• Access to exclusive lenders
• Personalised rate comparisons
• Paperwork handling & application support

How is this better than free advice?

Free brokers often push ‘quick approval’ lenders. We dig deeper—negotiating with niche lenders, improving your credit file, and fighting for lower rates.

When do I pay the fee?

A small initial fee starts your case, with the balance due only if we secure your mortgage. No surprises—we’ll confirm all costs upfront.

What’s the next step after paying the fee

You’ll get:

1. Your personalised mortgage plan

2. A checklist of documents we need

3. A direct contact for your advisor

We handle the rest—just sign where we highlight!

Still unsure?
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"The Mortgage Cloud found me a rate 3.5% lower than my bank. Highly recommend!"

Clarice Turner

I was stressed about getting a mortgage, but The Mortgage Cloud made it so easy! They secured me a rate 0.6% lower than my bank. Highly recommend!"

Brian Moten

★★★★★

★★★★★