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.

We have also created a handy guide to Retention Fees to show you who pays for retention business and how much, which Lenders have plans to plus any additional information we have.

If you have any questions about this please call us on 0121 781 7337 or email procfees@paradigmgroup.eu.

Paradigm Mortgage Services

Lender Proc Fees

Last updated: 11.09.18

Accord
Product Gross Net Gross Min Gross Max
Standard/Offset 0.45% 0.425% £200 No max
BTL 0.50% 0.45% No max
Ported - additional loan (top up amount only) 0.30% 0.275% £50
Retention - residential 0.30% 0.275% £50

Aldermore
Product Gross Net Gross Min Gross Max
Residential & BTL 0.45% 0.40%
Retention/Product Transfer 0.35% 0.30%
Specialist BTL 0.75% 0.75%

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

Email Barclays with your FCA number and user IDs to add Paradigm.


Bath BS
Product Gross Net Gross Min Gross Max
All products 0.35% + £25 0.35% £150 No max
Add Paradigm as Payment Route

Put Paradigm as your payment route on your next application.


Bluestone Mortgages
Product Gross Net Gross Min Gross Max
All products 0.60% 0.50%
Add Paradigm as Payment Route

Put Paradigm as your payment route on your next application.


BM Solutions
Product Gross Net Gross Min Gross Max
BTL, H2H and Self Build 0.44% 0.39%
Add Paradigm as Payment Route

Put Paradigm as your payment route on your next application.


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

Chorley BS
Product Gross Net Gross Min Gross Max
BTL 0.50% 0.45%
Residential 0.40% 0.35%
Add Paradigm as Payment Route

Call 01257 235001 or email Chorley BS requesting to add Paradigm.


Coventry
Product Gross Net Gross Min Gross Max
Standard 0.43% 0.40% No min No max
BTL 0.43% 0.40% No min No max
Product Transfer 0.30% 0.28%
Add Paradigm as Payment Route

Call 0800 121 7788 or email Coventry requesting to add Paradigm.


Darlington BS
Product Gross Net Gross Min Gross Max
All products 0.35% 0.33% No min £1,050
Add Paradigm as Payment Route

Call 01325 741004 or email Darlington requesting to add Paradigm.


Earl Shilton
Product Gross Net Gross Min Gross Max
All Products 0.40% + £25 0.40% £250
Add Paradigm as Payment Route

Download and use the Paradigm submission form when submitting your next case.


Family BS
Product Gross Net Gross Min Gross Max
Owner Occupier 0.42% 0.40% £180 No Max
BTL 0.52% 0.50% £234 No Max
Retention 0.22% 0.20%
Further Advances 0.27% 0.25%
Offset Mortgage 0.52% 0.50% £234 No Max
Family Mortgage 0.57% 0.55% £256.50 No Max
Add Paradigm as Payment Route
Put Paradigm as your payment route on your next application.

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

Foundation Home Loans
Product Gross Net Gross Min Gross Max
All Products 0.50% 0.40%
Add Paradigm as Payment Route

Email Paradigm to get your super user updated.


Furness BS
Product Gross Net Gross Min Gross Max
All products 0.40% 0.38%
Add Paradigm as Payment Route
Put Paradigm as your payment route on your next application.

Godiva
Product Gross Net Gross Min Gross Max
BTL 0.43% 0.40% No min No max
BTL Product Transfer 0.30% 0.28%
Add Paradigm as Payment Route

Call 0800 121 7788 or email Godiva requesting to add Paradigm.


Halifax
Product Gross Net Gross Min Gross Max
All products including Product Transfer & Further Advance 0.33% 0.315%
Add Paradigm as Payment Route

Complete their online form with the 'additional payment route' request.


Hampden & Co
Product Gross Net Gross Min Gross Max
0.50% 0.45% £5000
Hampden & Co will pay a proc fee to Paradigm for all qualifying mortgage introductions
Add Paradigm as Payment Route

Say you're a Paradigm member when referring next case.


Hanley BS
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 Rugby
Product Gross Net Gross Min Gross Max
All products 0.37% 0.35% £300
Add Paradigm as Payment Route
Put Paradigm as your payment route on your next application.

Hodge Lifetime
Product Gross Net Gross Min Gross Max
55+ Residential Mortgage 0.55% 0.50% £225 No max
55+ Product Transfer 0.25% 0.25% No min No max
Retirement Interest Only Mortgage 0.55% 0.50% £225 No max
RIO Product Transfer 0.25% 0.25% No min No max
Add Paradigm as Payment Route
Put Paradigm as your payment route on your next application.

Interbay
Product Gross Net Gross Min Gross Max
BTL, commercial & semi-commercial 1.05% 0.85%
Bridging 1.20% 1.00%
Add Paradigm as Payment Route

Select Paradigm in the ‘Source of Business’ section on next application.


Investec
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
Add Paradigm as Payment Route

Re-register online listing Paradigm as a payment route option.


Ipswich BS
Product Gross Net Gross Min Gross Max
All products 0.40% 0.37% £150
Add Paradigm as Payment Route

Email Ipswich BS requesting to add Paradigm.


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

Kent Reliance
Product Gross Net Gross Min Gross Max
Residential 0.40% 0.35%
Buy to Let 0.50% 0.45%
Retention products 0.25% 0.23%
Add Paradigm as Payment Route

Email Kent Reliance requesting to add Paradigm.


Keystone
Product Gross Net Gross Min Gross Max
Classic Range 0.80% 0.70%
Solutions Range 1.05% 1.00%
Add Paradigm as Payment Route

Re-submit their registration form and email to Keystone.


Landbay
Product Gross Net Gross Min Gross Max
All Products 0.55% 0.45%
Add Paradigm as Payment Route

Email Jasmin at Landbay requesting to add Paradigm.


Leeds BS
Product Gross Net Gross Min Gross Max
Residential 0.40% 0.37% No min £2,250
BTL and Holiday Lets 0.50% 0.45% No min £2,250
Product Transfers 0.20% 0.18%
Add Paradigm as Payment Route

Email Leeds BS requesting to add Paradigm.


Manchester BS
Product Gross Net Gross Min Gross Max
Mainstream 0.30% 0.28%
BTL 0.50% 0.45%

Marsden BS
Product Gross Net Gross Min Gross Max
Older Borrowers/Retired 0.60% + £25 0.60%
BTL 0.50% + £25 0.50%
Residential 0.40% + £25 0.40%
Professionals 0.40% + £25 0.40%
Add Paradigm as Payment Route
Put Paradigm as your payment route on your next application.

Masthaven
Product Gross Net Gross Min Gross Max
First Charge 0.55% 0.50%
Second Charge 1.25% 1.10%

MBS 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
Add Paradigm as Payment Route
Put Paradigm as your mortgage club on your next application.

Melton Building Society
Product Gross Net Gross Min Gross Max
Retention 0.25% + £25 0.25% £150 £1000
All Products (excl. retention) 0.35% + £25 0.35% £150 £1000
Add Paradigm as Payment Route
Put Paradigm as your mortgage club on your next application.

Metrobank
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
Add Paradigm as Payment Route

Email Metrobank requesting to add Paradigm.


Nationwide
Product Gross Net Gross Min Gross Max
Residential Products 0.35% 0.33%
Retention 'Switcher' products 0.20% 0.19%

NatWest Intermediary Solutions
Product Gross Net Gross Min Gross Max
BTL 0.45% 0.40% £250 £6,000
Residential/Remortgage 0.35% 0.32% £250 £6,000
Product Transfer 0.20% 0.18%

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

Newcastle Intermediaries
Product Gross Net Gross Min Gross Max
Residential 0.40% 0.37%
BTL 0.50% 0.45%

Nottingham 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)

Pepper Homeloans
Product Gross Net Gross Min Gross Max
All Products 0.50% 0.40%
Add Paradigm as Payment Route

Put Paradigm as your mortgage club on your next application.


Platform
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%
Add Paradigm as Payment Route
Put Paradigm as your mortgage club on your next application.

Precise Mortgages
Product Gross Net Gross Min Gross Max
Residential & Buy to Let 0.60% 0.50%
Bridging & Short Term Lending 1.75% 1.30%
Fee Free Bridging 1.00% 0.90%
2nd Charge Loans 1.50% 1.25%

Principality
Product Gross Net Gross Min Gross Max
Standard 0.35% 0.35% No min £2,500
BTL 0.40% 0.40% No min £2,500
Retention 0.20% 0.20%
Add Paradigm as Payment Route

Please complete this form and email to Principality.


Progressive
Product Gross Net Gross Min Gross Max
Retention 0.20% 0.18% £200 No max
Renegotiation products (over £30k) £150 £150
All products (over £30k) 0.38% 0.36% £175 £1,500

Santander
Product Gross Net Gross Min Gross Max
Standard Residential 0.34% 0.32% £250
BTL 0.50% 0.45% £250
Retention Products 0.20% 0.18%
Add Paradigm as Payment Route

Call 0141 275 7900 or email Santander requesting to add Paradigm.


Scottish Widows Bank
Product Gross Net Gross Min Gross Max
Mortgage 0.37% + £50 0.37%
Further Adv (all loans must be over £10k) £100 £90
Product Transfer 0.37% + £50 0.37%
Add Paradigm as Payment Route

Complete their panel registration form and email to Scottish Widows.


Skipton Building Society
Product Gross Net Gross Min Gross Max
Residential 0.40% 0.37% £100 £4,000 (£3,700 Net)
BTL 0.50% 0.45% £100 £3,750 (£3,375 Net)
Residential Retention 0.30% 0.28%
BTL Retention 0.35% 0.32%
Shared Ownership 0.45% 0.41%
Add Paradigm as Payment Route
Put Paradigm as your mortgage club on your next application.

The Mortgage Lender
Product Gross Net Gross Min Gross Max
All Products 0.80%* 0.50% *Includes a marketing allowance. The gross for members is 0.58%

The Mortgage Works
Product Gross Net Gross Min Gross Max
Buy to Let (all products) 0.44% 0.39%
Large Portfolio 0.54% 0.49%
Retention 0.20% 0.19%

Tipton BS
Product Gross Net Gross Min Gross Max
Residential 0.42% 0.40%
BTL 0.45% 0.40%
Add Paradigm as Payment Route
Put Paradigm as your mortgage club on your next application.

Together
Product Gross Net Gross Min Gross Max
All Products 0.60% 0.50%

TSB
Product Gross Net Gross Min Gross Max
Residential 0.35% 0.33%
BTL 0.44% 0.39%
Product Transfers 0.28% 0.27%
Add Paradigm as Payment Route
Put Paradigm as your mortgage club on your next application.

Vida Homeloans
Product Gross Net Gross Min Gross Max
Residential 0.45% 0.40%
Buy To Let 0.50% 0.45%

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

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.