1 Lender Proc Fees

Lender Proc Fees

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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 procfees@paradigm.co.uk.

Paradigm Mortgage Services

Lender Proc Fees

Last updated: 18.06.24

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 0.55% 0.50%
Retention (All products) 0.35% 0.30%
All BTL 0.65% 0.60%

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%
First Start 0.50% 0.47%
Porting and Further Advance 0.25% 0.23%
Product Transfer 0.30% 0.28%

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%
Product Transfer 0.35% 0.33%

BM-SolutionsBM Solutions

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

Buckinghamshire-Building-SocietyBuckinghamshire Building Society

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.38%
BTL 0.42% 0.40%
Retention / Product Transfers 0.22% 0.20%

BuildloanBuildloan

Product Gross Net Gross Min Gross Max
Newcastle Building Society 0.40% 0.36%
Together 0.40% 0.36%
Mansfield Building Society 0.40% 0.36%
Stafford Railway Building Society 0.40% 0.36%
Tipton & Coseley 0.40% 0.36%
Buckinghamshire Building Society 0.40% 0.36%
Darlington 0.40% 0.36%
Hinckley & Rugby 0.40% 0.36%
MT Finance 1.00% 0.95%
Precise Mortgages 0.13% 0.12%

Cambridge-Building-SocietyCambridge Building Society

Product Gross Net Gross Min Gross Max
Residential & BTL 0.40% 0.37% £150
Product Switch 0.30% 0.28% £112.50

Castle-Trust-BankCastle Trust Bank

Product Gross Net Gross Min Gross Max
1st Charge (Term Products) 0.8% 0.72%
Bridging 1.5% 1.3%

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%

Clydesdale-BankClydesdale Bank

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.38%
Buy to Let 0.40% 0.38%
Product Transfers 0.20% 0.18%

Co-operative-Bank-for-IntermediariesCo operative Bank for Intermediaries

Product Gross Net Gross Min Gross Max
BTL 0.48% 0.43% No min
Mainstream 0.40% 0.37% No min
Product Transfer 0.30% 0.28%

CouttsCoutts

Product Gross Net Gross Min Gross Max
All Products 0.34% 0.33%

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
Residential Further Advance 0.43% 0.40% No min £15,000
BTL Further Advance 0.43% 0.40% No min £15,000

Darlington-IntermediariesDarlington Intermediaries

Product Gross Net Gross Min Gross Max
All products 0.37% 0.35%
Product Transfers 0.30% 0.28%

Dudley-Building-SocietyDudley Building Society

Product Gross Net Gross Min Gross Max
All products 0.4% 0.37%
Product Transfers 0.25% 0.23%

Earl-ShiltonEarl Shilton

Product Gross Net Gross Min Gross Max
All products excluding Product Transfers 0.40% + £25 0.40% £250
Product Transfers 0.25% + £25 0.25% £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
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
Ported 0.15% 0.14%
Retention (Offset Mortgage) 0.52% 0.50%
Retention (Family Mortgage) 0.57% 0.55%
Retention (Buy to Let) 0.52% 0.50%
Retention (Owner Occupier) 0.42% 0.40%

Fleet-MortgagesFleet Mortgages

Product Gross Net Gross Min Gross Max
All products 0.50% 0.45%
Product Transfers 0.35% 0.33%

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%
Semi-Commercial Product 1.2% 0.90%

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%
Introducer Only 0.40% 0.37%

Gen-HGen H

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.38%
Product Transfer 0.25% 0.23%

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%
Retention 0.50% 0.45%

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%

Harpenden-Building-SocietyHarpenden Building Society

Product Gross Net Gross Min Gross Max
Residential (all products) 0.40% 0.38%
Buy to Let (all products) 0.40% 0.38%
Retention 0.30% 0.28%
Further Advance 0.30% 0.28%

Hinckley-and-RugbyHinckley and Rugby

Product Gross Net Gross Min Gross Max
All products 0.42% 0.40% £225 No Max
Product Transfer 0.20% 0.18%

HodgeHodge

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 0.30% 0.28% No min No max
Professional Mortgage 0.45% 0.40% £225

HSBC-UKHSBC UK

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.38%
Product Transfers 0.20% 0.18%
Buy to Let 0.50% 0.45%

HUB-Financial-SolutionsHUB Financial Solutions

Product Gross Net Gross Min Gross Max
Equity Release 1.75% (of loan amount) 1.72% £750
*Override is £50

Impact-Specialist-FinanceImpact Specialist Finance

Product Gross Net Gross Min Gross Max
Please refer to the Links panel on the lender's page here
Please note that the ‘Broker net fee’ is the Gross fee payable via Paradigm.

InterBayInterBay

Product Gross Net Gross Min Gross Max
BTL 0.70% 0.50%
Commercial 1.05% 0.85%
Holiday Let 0.70% 0.50%
Product Transfers 0.60% 0.45%

KensingtonKensington

Product Gross Net Gross Min Gross Max
All Products 0.50% 0.40% No Min No Max
Flexi Fixed Term Product 0.75% 0.70%
Product Transfers 0.30% 0.27%

Kent-Reliance-for-IntermediariesKent Reliance for Intermediaries

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

Key-PartnershipsKey Partnerships

Product Gross Net Gross Min Gross Max
Referral Service 36% (of proc fee received from the chosen lender) 33%

KeystoneKeystone

Product Gross Net Gross Min Gross Max
All Products 0.80% 0.70%
Product Transfers 0.45% 0.40%
Product Transfer Plus 0.55% 0.53%

LandbayLandbay

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

Leeds-Building-SocietyLeeds Building Society

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-Building-SocietyLeek Building Society

Product Gross Net Gross Min Gross Max
Residential & BTL 0.35% 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
Buy to Let 0.7% 0.6%
Bridging 1.5% 1.45%
Residential 0.6% 0.5%

LiveMoreLiveMore

Product Gross Net Gross Min Gross Max
All Other Term Products 0.55% 0.50%
Ongoing Proc Fee 0.13% 0.11%
Lifetime Mortgages 3.00% 2.85% £20,000

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%
Product Transfer 0.20% 0.18%

Market-Harborough-Building-SocietyMarket Harborough Building Society

Product Gross Net Gross Min Gross Max
Residential 0.37% 0.35%
Buy to let 0.47% 0.45%
Bridging 1.02% 1.00%
Product Transfers 0.30% 0.28%

Marsden-Building-SocietyMarsden Building Society

Product Gross Net Gross Min Gross Max
Residential 0.40% + £25 0.40%
Later Life and RIO 0.40% + £25 0.40% £5,000.00
Expat Residential 0.40% + £25 0.40%
Expat BTL 0.40% + £25 0.40%
UK & Expat Holiday Lets 0.40% + £25 0.40%
Later Life Tier 2 product range 0.55% + £25 0.55% £5,000.00

Melton-Building-SocietyMelton Building Society

Product Gross Net Gross Min Gross Max
Standard Residential (inc. Shared Ownership & Right to Buy) 0.40% 0.38% £150 N/A
Retention Products 0.26% 0.25% £150 N/A
Buy to Let & RIO 0.45% 0.40% £150 N/A
Self-Build 0.50% 0.45% £150 N/A
Credit Assist/Credit Recovery 0.55% 0.50%

Metro-BankMetro Bank

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.38%
BTL 0.43% 0.41%
Product Transfer 0.30% 0.285

MFSMFS

Product Gross Net Gross Min Gross Max
BTL 1.20% 1.05%
Bridge 1.50% 1.10%
Re-Bridge 0.75% 0.60%

Molo-FinanceMolo Finance

Product Gross Net Gross Min Gross Max
BTL 0.50% 0.45%
International Buy to Let 0.55% 0.50%
Product Transfers 0.35% 0.30%

MPoweredMPowered

Product Gross Net Gross Min Gross Max
Buy to Let 0.60% 0.54%
Residential 0.40% 0.36%

MT-FinanceMT Finance

Product Gross Net Gross Min Gross Max
Bridging 1.75% 1.45%
BTL 0.60% 0.55%

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
Residential/Remortgage 0.35% 0.32% £250
Product Transfer 0.20% 0.18% No Min

Natwest-InternationalNatwest International

Product Gross Net Gross Min Gross Max
All Products 0.35% 0.33%

Newbury-Building-SocietyNewbury Building Society

Product Gross Net Gross Min Gross Max
All products 0.42% 0.40%
Product Transfer 0.20% 0.18%

Newcastle-for-IntermediariesNewcastle for 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
BTL 0.40% 0.38% £200
Limited Company BTL 0.55% 0.50% £200
Product Transfers (Residential and BTL) 0.30% 0.28%
Limited Company BTL and RIO Product Transfers 0.35% 0.325%
RIO 0.50% 0.48% £200
Foreign National & Returning Expats 0.50% 0.48% £200

Octopus-Real-EstateOctopus Real Estate

Product Gross Net Gross Min Gross Max
Buy To Let 1% 0.8%
Bridging 1.5% 1.25%

ParagonParagon

Product Gross Net Gross Min Gross Max
All products 0.55% 0.50% £300
Further Advances 0.55% 0.50%
Product Transfers 0.40% 0.37%
Short term finance 0.75% 0.70% £300
Minimum gross fee is £300, with a minimum net fee £270

Penrith-Building-SocietyPenrith Building Society

Product Gross Net Gross Min Gross Max
New Residential and Buy-to-let cases 0.45% 0.43%
Product Transfers 0.30% 0.28%

Pepper-MoneyPepper Money

Product Gross Net Gross Min Gross Max
All Products 0.50% 0.40%
Product Transfers 0.27% 0.25%

PlatformPlatform

Product Gross Net Gross Min Gross Max
Retention 0.30% 0.28%

Precise.Precise.

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 1.25% 1%
Product Transfer 0.30% 0.28%

Principality-IntermediariesPrincipality Intermediaries

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
Porting 0.40% 0.38% 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

Quantum-MortgagesQuantum Mortgages

Product Gross Net Gross Min Gross Max
All products 0.75% 0.70%

Reliance-BankReliance Bank

Product Gross Net Gross Min Gross Max
Residential Mortgages 0.37% 0.35% £2,500

Saffron-for-IntermediariesSaffron for Intermediaries

Product Gross Net Gross Min Gross Max
All products 0.45% 0.35% £20,000
Self-build 1.00% 0.90% £20,000

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%
Porting 0.34% 0.32%

Scottish-Building-SocietyScottish Building Society

Product Gross Net Gross Min Gross Max
All products 0.42% 0.40%

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%

State-Bank-of-India-(UK)State Bank of India (UK)

Product Gross Net Gross Min Gross Max
Specialist/HMO/Expat 0.75% 0.72% £10,000
Retention 0.20% 0.18% £6,000
Standard 0.50% 0.47% £6,000

Suffolk-Building-SocietySuffolk 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.

Swansea-Building-SocietySwansea Building Society

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

TABTAB

Product Gross Net Gross Min Gross Max
Bridging 2% 1.75%
Commercial 1.5% 1.00%

TandemTandem

Product Gross Net Gross Min Gross Max
Residential 0.6% 0.5%

The-Mortgage-LenderThe Mortgage Lender

Product Gross Net Gross Min Gross Max
All products 0.60% 0.50%
Product Transfer 0.30% 0.28%

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

The-Stafford-Building-SocietyThe Stafford Building Society

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

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%
Product Transfers 0.20% 0.18%

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%
Further Advance 0.28% 0.27% £100

United-Trust-BankUnited Trust Bank

Product Gross Net Gross Min Gross Max
Second Charge 1.25% 1.00%
Residential 0.45% 0.40%
Buy-to-let 0.50% 0.45%
Second Charge Product Transfer 1.00% 0.95%
Residential Product Transfer 0.40% 0.38%

Vernon-BSVernon BS

Product Gross Net Gross Min Gross Max
Residential 0.37% 0.35% £150 No max
Buy to Let 0.42% 0.40% £150 No max
Self-Build 0.37% 0.35% £150 No max
Retention 0.22% 0.20% £150 No max

Vida-HomeloansVida Homeloans

Product Gross Net Gross Min Gross Max
Residential 0.60% 0.55%
Buy To Let 0.60% 0.55%
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

West-OneWest One

Product Gross Net Gross Min Gross Max
Buy to Let 0.6% 0.5%
Residential 0.50% 0,40%

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.