Lender Proc Fees

Paradigm Mortgage Services has secured market-leading proc fees for you, as detailed below. In addition, you will also receive an equal share of the retained fee Paradigm earns per case, thus increasing your overall proc fee. This is paid out once a year as a lump sum as part of our annual rebate scheme. Put simply, using Paradigm as opposed to other club routes increases your income.

We have created this guide to put your mind at ease about using Paradigm. Your proc fees will either be paid directly to you by the Lenders or will be paid to Paradigm we will pay this to you within 24 hours of receiving the money and the statement. To find out which Lenders pay you directly and which ones pay Paradigm, and to see how frequently they pay, click here.

If you have any questions about this please call us on 03300 536061 or email [email protected].

Paradigm Mortgage Services

Lender Proc Fees

Last updated: 13.09.21

AccordAccord

Product Gross Net Gross Min Gross Max
Standard/Offset 0.45% 0.425% £200 No Max
BTL 0.50% 0.45% No Min No Max
Residential Product Transfer 0.30% 0.275% £50 No Max
BTL Product Transfer 0.30% 0.28% No Min No Max
Porting and Further Advance (paid on additional amount only) 0.30% 0.275% £50 No Max

AldermoreAldermore

Product Gross Net Gross Min Gross Max
Residential 0.45% 0.40%
Retention (All products) 0.35% 0.30%
All BTL 0.55% 0.50%

Bank of Ireland for IntermediariesBank of Ireland for Intermediaries

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.37%
Buy to Let 0.50% 0.465%
Retention 0.25% 0.23%

BarclaysBarclays

Product Gross Net Gross Min Gross Max
Residential and Offset products 0.35% 0.33% No min No max
Buy To Let 0.40% 0.35% No min No max
Retention 0.20% 0.18%
Further Advance 0.30% 0.28%

Bath Building SocietyBath Building Society

Product Gross Net Gross Min Gross Max
All products 0.375% 0.35% £150 No max

Beverley Building SocietyBeverley Building Society

Product Gross Net Gross Min Gross Max
New Business 0.42% 0.40%
Retention 0.37% 0.35%

Bluestone MortgagesBluestone Mortgages

Product Gross Net Gross Min Gross Max
All products 0.60% 0.50%

BM SolutionsBM Solutions

Product Gross Net Gross Min Gross Max
BTL, H2H and Self Build 0.44% 0.39%
Test product 35%

Buckinghamshire Building SocietyBuckinghamshire Building Society

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.38%
BTL 0.42% 0.40%

Cambridge Building SocietyCambridge Building Society

Product Gross Net Gross Min Gross Max
Residential & BTL 0.40% 0.37% £150 £4000
Retention products 0.20% 0.19% £4000

CHL MortgagesCHL Mortgages

Product Gross Net Gross Min Gross Max
All products 0.55% 0.50%

Chorley BSChorley BS

Product Gross Net Gross Min Gross Max
BTL 0.50% 0.45%
Residential 0.40% 0.35%

CoventryCoventry

Product Gross Net Gross Min Gross Max
Standard 0.43% 0.40% No min £15,000
BTL 0.43% 0.40% No min £15,000
Product Transfer 0.30% 0.28% No Min £15,000

Earl ShiltonEarl Shilton

Product Gross Net Gross Min Gross Max
All Products 0.40% + £25 0.40% £250

Family Building SocietyFamily Building Society

Product Gross Net Gross Min Gross Max
Owner Occupier 0.42% 0.40% £189 No Max
BTL 0.52% 0.50% £234 No Max
Retention 0.22% 0.20% No Min No Max
Further Advances 0.27% 0.25% £5.40 No Max
Offset Mortgage 0.52% 0.50% £234 No Max
Family Mortgage 0.57% 0.55% £256.50 No Max

Fleet MortgagesFleet Mortgages

Product Gross Net Gross Min Gross Max
All products 0.50% 0.45%

Foundation Home LoansFoundation Home Loans

Product Gross Net Gross Min Gross Max
Product Transfer 0.30% 0.27%
All Products (excl. Product Transfer) 0.50% 0.45%

Furness Building SocietyFurness Building Society

Product Gross Net Gross Min Gross Max
Resi & BTL 0.40% 0.38%
Retention 0.30% 0.28%

Gatehouse BankGatehouse Bank

Product Gross Net Gross Min Gross Max
Home Purchase Plan 0.55% 0.50%
Single Unit BTL - UK resident 0.55% 0.50%
Limited Company and Portfolio BTL, UK Expat & International cases 0.70% 0.65%
HMO and MUFB 0.70% 0.65%
Product Transfer 0.30% 0.25%

GodivaGodiva

Product Gross Net Gross Min Gross Max
BTL 0.43% 0.40% No min £15,000
BTL Product Transfer 0.30% 0.28% No Min £15,000

HalifaxHalifax

Product Gross Net Gross Min Gross Max
All products including Product Transfer & Further Advance 0.36% 0.34%

Hampden and CoHampden and Co

Product Gross Net Gross Min Gross Max
All products 0.50% 0.45%
Hampden & Co will pay a proc fee to Paradigm for all qualifying mortgage introductions

Hampshire Trust BankHampshire Trust Bank

Product Gross Net Gross Min Gross Max
Bridging 1.70% 1.50%
BTL & Semi-commercial 1.20% 1.00%

Hanley IntermediariesHanley Intermediaries

Product Gross Net Gross Min Gross Max
Residential 0.35% 0.33%
BTL 0.40% 0.35%
Self-Build 0.50% 0.45%

Hinckley and RugbyHinckley and Rugby

Product Gross Net Gross Min Gross Max
All products 0.42% 0.40% £225 No Max

Hodge LifetimeHodge Lifetime

Product Gross Net Gross Min Gross Max
50+ Residential Mortgage, Retirement Interest Only, Holiday Let and Portfolio BTL 0.55% 0.50% £225 No max
Residential Product Transfer 0.25% 0.23% No min No max

HSBCHSBC

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.38%

InterbayInterbay

Product Gross Net Gross Min Gross Max
BTL, commercial & semi-commercial 1.05% 0.85%
Bridging 1.20% 1.00%

InvestecInvestec

Product Gross Net Gross Min Gross Max
Million Plus Range 0.50% 0.45% No min £14,500
Professional Mortgage Residential £750 £700
Professional Mortgage Buy to Let £1000 £900

Ipswich Building SocietyIpswich Building Society

Product Gross Net Gross Min Gross Max
All products 0.40% 0.37% £150
Minimum fee of £150 gross and £125 net. Additional Borrowing/Further Advance minimum fee of £150 gross and £140 net.

KensingtonKensington

Product Gross Net Gross Min Gross Max
All Products 0.50% 0.40% No Min No Max

Kent RelianceKent Reliance

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.35% No Min No Max
Buy to Let 0.50% 0.45% No Min No Max
Retention products 0.30% 0.27% No Min No Max
Further Advance - Residential 0.40% 0.35% £150 No Max
Further Advance - BTL 0.50% 0.45% £150 No Max

KeystoneKeystone

Product Gross Net Gross Min Gross Max
All Products 0.80% 0.70%

LandbayLandbay

Product Gross Net Gross Min Gross Max
All Products 0.55% 0.45%

Leeds BSLeeds BS

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.37% No min £5,000
BTL and Holiday Lets 0.50% 0.45% No min £3,750
Product Transfers - Residential 0.20% 0.18% No Min £2,500
Product Transfers - BTL 0.20% 0.18% No Min £1,500

Leek UnitedLeek United

Product Gross Net Gross Min Gross Max
Residential & BTL 0.35%
Product Transfers 0.25% 0.23%
* A £25 Override will be paid to Paradigm – this will be included in the Profit Share Scheme.

LendInvestLendInvest

Product Gross Net Gross Min Gross Max
All products 0.7% 0.6%

LiveMoreLiveMore

Product Gross Net Gross Min Gross Max
All products 0.55% 0.50%

Mansfield Building SocietyMansfield Building Society

Product Gross Net Gross Min Gross Max
Residential 0.37% 0.35%
Buy to Let 0.42% 0.40%
Retirement Interest Only 0.50% 0.48%

Marsden Building SocietyMarsden Building Society

Product Gross Net Gross Min Gross Max
Residential 0.40% + £25 0.40%
BTL 0.40% + £25 0.40%
Older Borrowers/Retired 0.40% + £25 0.40%
Expat Residential 0.40% + £25 0.40%
Expat BTL 0.40% + £25 0.40%

MasthavenMasthaven

Product Gross Net Gross Min Gross Max
First Charge 0.55% 0.50%
Second Charge 1.10% 1.00%
Bridging 1.5%

MBS LendingMBS Lending

Product Gross Net Gross Min Gross Max
Near Prime Enhance, Near Prime & Credit Assist (including shared ownership and right to buy products) 0.55% + £25 0.55% £150 £1000
Credit Recovery 0.65% + £25 0.65% £150 £1000
Retention 0.25% + £25 0.25% £150 £1000

Metro BankMetro Bank

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.38% £20,000
BTL 0.43% 0.41% £20,000
Product Transfer 0.30% 0.285

Molo FinanceMolo Finance

Product Gross Net Gross Min Gross Max
BTL 0.50% 0.45%

MPoweredMPowered

Product Gross Net Gross Min Gross Max
All products 0.60% 0.54%

MT FinanceMT Finance

Product Gross Net Gross Min Gross Max
All products 1.75% 1.25%

NationwideNationwide

Product Gross Net Gross Min Gross Max
Residential Products 0.35% 0.33% No Min No Max
Retention 'Switcher' products 0.20% 0.19% No Min No Max
Further Advance 0.35% 0.33% £100

NatWest Intermediary SolutionsNatWest Intermediary Solutions

Product Gross Net Gross Min Gross Max
BTL 0.45% 0.40% £250 £10,000
Residential/Remortgage 0.35% 0.32% £250 £10,000
Product Transfer 0.20% 0.18% No Min £10,000

Newbury Building SocietyNewbury Building Society

Product Gross Net Gross Min Gross Max
All products 0.37% 0.35%

Newcastle IntermediariesNewcastle Intermediaries

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.37%
BTL 0.50% 0.45%
Product Transfer 0.20% 0.18%

Nottingham Building SocietyNottingham Building Society

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.38% £200 (gross) £2000 (gross)
BTL 0.40% 0.38% £200 (gross) £2000 (gross)
Limited Company BTL 0.55% 0.50% £200 (gross) £2000 (gross)

OneFamilyOneFamily

Product Gross Net Gross Min Gross Max
All products 2.5%

ParagonParagon

Product Gross Net Gross Min Gross Max
All products 0.55% 0.50% £300
Further Advances 0.55% 0.50% £300
Product Transfers 0.30% 0.28% £300
Second Charge 1.50% 1.25% £300
Bridging 0.75% 0.70% £300
Minimum gross fee is £300, with a minimum net fee £270

Pepper HomeloansPepper Homeloans

Product Gross Net Gross Min Gross Max
All Products 0.50% 0.40%

PlatformPlatform

Product Gross Net Gross Min Gross Max
BTL 0.48% 0.43% No min £1,680
Mainstream 0.40% 0.37% No min £4,000
Retention/Product Transfer 0.30% 0.28%

Precise MortgagesPrecise Mortgages

Product Gross Net Gross Min Gross Max
Residential & Buy to Let 0.60% 0.50%
Refurbishment Buy to Let 1.20%* 1.00%*
Bridging & Short Term Lending 1.75% 1.30%
Fee Free Bridging 1.00% 0.90%
2nd Charge Loans 1.50% 1.25%
Product Transfer 0.30% 0.28%

PrincipalityPrincipality

Product Gross Net Gross Min Gross Max
Standard 0.40% 0.38% No min £2,500
BTL 0.40% 0.38% No min £2,500
Retention 0.20% 0.18% No min £2,500

Progressive Building SocietyProgressive Building Society

Product Gross Net Gross Min Gross Max
All products (over £30k) 0.38% 0.36% £175 £2,000
Retention 0.20% 0.18% £200 No max

Saffron for IntermediariesSaffron for Intermediaries

Product Gross Net Gross Min Gross Max
All products 0.45% 0.35%
Self-build 1.00% 0.50%

Santander for IntermediariesSantander for Intermediaries

Product Gross Net Gross Min Gross Max
Standard Residential 0.34% 0.32%
BTL 0.45% 0.40%
Retention Products 0.20% 0.18%

Scottish Widows BankScottish Widows Bank

Product Gross Net Gross Min Gross Max
All products including Additional Borrowing, Product Transfer & Porting 0.36% 0.34% No Min No Max

Skipton Building SocietySkipton Building Society

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.37% £100 No Max
BTL 0.50% 0.45% £100 £5.000 (£4,500 Net)
Residential Retention 0.30% 0.28%
BTL Retention 0.35% 0.32%
Shared Ownership 0.45% 0.41%

Swansea Building SocietySwansea Building Society

Product Gross Net Gross Min Gross Max
Residential & BTL 0.37% 0.35%

The Melton Building SocietyThe Melton Building Society

Product Gross Net Gross Min Gross Max
All Products (excl. retention) 0.35% + £25 0.35% £150 £1000
Retention 0.25% + £25 0.25% £150 £1000

The Mortgage LenderThe Mortgage Lender

Product Gross Net Gross Min Gross Max
All products 0.60% 0.50%

The Mortgage WorksThe Mortgage Works

Product Gross Net Gross Min Gross Max
Buy to Let 0.44% 0.39% No Min No Max
Retention 0.20% 0.19% No Min No Max
Large Portfolio 0.54% 0.49% No Min No Max
Limited Company BTL 0.54% 0.49% No Min No Max

Tipton and Coseley Building SocietyTipton and Coseley Building Society

Product Gross Net Gross Min Gross Max
Residential 0.42% 0.40%
BTL 0.45% 0.40%

TogetherTogether

Product Gross Net Gross Min Gross Max
Resi & BTL 0.60% 0.50%
Bridging 1.00% 0.90%

TSBTSB

Product Gross Net Gross Min Gross Max
Residential 0.35% 0.33%
BTL 0.44% 0.39%
Product Transfers 0.28% 0.27%

Vida HomeloansVida Homeloans

Product Gross Net Gross Min Gross Max
Residential 0.45% 0.40%
Buy To Let 0.50% 0.45%
Product Transfer 0.30% 0.28%

Virgin MoneyVirgin Money

Product Gross Net Gross Min Gross Max
Residential, BTL & Shared Ownership 0.50% 0.45% No min No max
Product Transfer 0.38% 0.35% No min No max
Ported 0.50% 0.45% No Min No Max

Zephyr HomeloansZephyr Homeloans

Product Gross Net Gross Min Gross Max
All products 0.50% 0.45%

Procuration fees (proc fees) may be subject to lender restrictions such as minimum loans and maximim payments and are subject to change without notice. Proc fees are not normally available on further advances. We, Paradigm Mortgage Services do not accept responsibility for the communication of information on lender products or proc fees, nor can we guarantee being able to secure a loan offer according to product details and interest rates disclosed at the time of the application. It is your responsibility to ensure the correct gross procuration fee is displayed in the KFIs issued to clients.

The procuration fees listed are for reference only and our subject to change at short notice. Prior to submission of any mortgage application, Paradigm members should confirm what remuneration will be paid by contacting the lender directly. Paradigm will not reimburse members for any differences between figures listed and the amount received by the member from the lender.