Proc Fees

Click here to register for our Proc Fee Portal

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@paradigmmortgages.com.

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Lender Proc Fees

Last updated: 11.06.21

Accord

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

Add Paradigm as Payment Route

Re-register online with Paradigm as your mortgage club.

Aldermore

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

Add Paradigm as Payment Route

Go to ‘My Profile’ and select 'Change Submission Routes' to add Paradigm.

Bank of Ireland for Intermediaries

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

Add Paradigm as Payment Route

Please speak to Paradigm to find out whether your firm are eligible for access. If you are already registered, just select Paradigm as your payment route on your next application.

Barclays

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%

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	0.375%	0.35%	�150	No max

Add Paradigm as Payment Route

Put Paradigm as your payment route on your next application.

Beverley Building Society

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

Add Paradigm as Payment Route

You need to stipulate the Proc Fee payment route on each individual application, ensure you mention Paradigm on this.

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.

Buckinghamshire Building Society

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

Add Paradigm as Payment Route

Select Paradigm Mortgage Services as your mortgage club on each individual application.

Cambridge BS

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

Add Paradigm as Payment Route

Go to ‘My Profile’ and select 'Change Submission Route' to add Paradigm.

CHL Mortgages

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

Add Paradigm as Payment Route

Select Paradigm from the drop down list of Mortgage Clubs, on each application submission.

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

Add Paradigm as Payment Route

Call 0800 121 7788 or email Coventry 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%	£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

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%

Add Paradigm as Payment Route

Go to ‘User Profile’ and select 'Change my submission route list' to add Paradigm.

Foundation Home Loans

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

Add Paradigm as Payment Route

Furness BS

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

Add Paradigm as Payment Route

Put Paradigm as your payment route on your next application.

Gatehouse Bank

Product	Gross	Net
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%

Add Paradigm as Payment Route

When registering with Gatehouse Bank, choose Mortgage Club as your payment route, then select Paradigm. For each case you must complete this invoice for the Proc Fee to be processed.

Godiva

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

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	0.36%	0.34%

Add Paradigm as Payment Route

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

Hampden & 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

Add Paradigm as Payment Route

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

Hanley BS

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

Add Paradigm as Payment Route

Login to your Hanley BS account, go to settings to add Paradigm Mortgage Services to your list of available mortgage clubs

Hinckley and Rugby

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

Add Paradigm as Payment Route

Put Paradigm as your payment route on your next application.

Hodge 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%	0.25%	No min	No max

Add Paradigm as Payment Route

Put Paradigm as your payment route on your next application.

HSBC

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

Add Paradigm as Payment Route

Please speak to Paradigm to find out whether your firm are eligible for access. If you are already registered, just select 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
Minimum fee of £150 gross and £125 net. Additional Borrowing/Further Advance minimum fee of £150 gross and £140 net.

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%	No Min	No Max

Add Paradigm as Payment Route

Go to 'Admin' tab and select 'Your Profile'. Select 'change preferred mortgage club' and choose Paradigm.

Kent 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

Add Paradigm as Payment Route

Email Kent Reliance requesting to add Paradigm.

Keystone

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

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	£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

Add Paradigm as Payment Route

Email Leeds BS requesting to add Paradigm.

Leek United

Product	Gross	Net
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.

Add Paradigm as Payment Route

You don’t need to contact Leek United to make any changes, as you can stipulate your desired payment route on each application. If you would like to submit an application online, please visit Leek United’s Intermediaries Online portal.

LendInvest

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

Add Paradigm as Payment Route

Put Paradigm as your payment route on your next application.

LiveMore

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

Add Paradigm as Payment Route

Select Paradigm as your payment route in the dropdown box whenever you input a case.

Mansfield Building Society

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

Add Paradigm as Payment Route

Contact The Mansfield’s Intermediary Sales Support team on 01623 676360 or email brokers@mansfieldbs.co.uk

Marsden BS

Product	Gross	Net
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%

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	1.10%	1.00%

Add Paradigm as Payment Route

Go to 'My Profile' and select 'Add or remove submissions routes' to add Paradigm. Select Paradigm on your next application.

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
All Products (excl. retention)	0.35% + £25	0.35%	£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.

Metrobank

Product	Gross	Net	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.

MPowered

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

Add Paradigm as Payment Route

Call MPowered's team on 0800 260 5949.

MT Finance

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

Add Paradigm as Payment Route

Choose Paradigm as the payment route from the drop down list when submitting a new case.

Nationwide

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

Add Paradigm as Payment Route

Go to 'Manage My Details' and add Paradigm to list of mortgage clubs.

NatWest 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

Add Paradigm as Payment Route

Newbury Building Society

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

Add Paradigm as Payment Route

Call 01635918000 or email brokerenquiries@newbury.co.uk requesting to add Paradigm as a payment route.

Newcastle Intermediaries

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

Add Paradigm as Payment Route

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)
Limited Company BTL	0.55%	0.50%	£200 (gross)	£2000 (gross)

Add Paradigm as Payment Route

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

Paragon

Product	Gross	Net	Gross Min
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

Add Paradigm as Payment Route

If you are already registered with Paragon and wish to switch your payment route to Paradigm, please email mortgagesalessupport@paragonbank.co.uk, copying in Moray Hulme (moray.hulme@paragonbank.co.uk) when requesting the change.

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
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%

Add Paradigm as Payment Route

Go to 'User Profile' and select 'Change my submission route list' to add Paradigm.

Principality

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

Add Paradigm as Payment Route

Please complete this form and email to Principality.

Progressive

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

Santander

Product	Gross	Net
Standard Residential	0.34%	0.32%
BTL	0.45%	0.40%
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
All products including Additional Borrowing, Product Transfer & Porting	0.36%	0.34%	No Min	No Max

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.

Swansea Building Society

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

Add Paradigm as Payment Route

For each new case, you will need to complete a Mortgage Application Form (Broker), on which you should detail Paradigm as your chosen payment route. Alongside this, you must also submit the Paradigm Submission Sheet.

The Mortgage Lender

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

Add Paradigm as Payment Route

Add Paradigm as a payment route within your user settings.

The 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

Add Paradigm as Payment Route

Got to your 'Manage My Details' and add Paradigm to list of mortgage clubs.

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
Resi & BTL	0.60%	0.50%
Bridging	1.00%	0.90%

Add Paradigm as Payment Route

Re-register on their online application system, My Broker Venue (takes 24 hours).

TSB

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

Add Paradigm as Payment Route

Please speak to Paradigm to find out whether your firm are eligible for access. If you are already registered, just select Paradigm as your payment route 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%

Add Paradigm as Payment Route

Re-register online with Paradigm as your mortgage club.

Virgin 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

Add Paradigm as Payment Route

Visit their website and 'Update your details' to add Paradigm.

Zephyr Homeloans

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

Add Paradigm as Payment Route

If you are already registered with Zephyr, and would like to change your payment route to Paradigm, you can do so on your Zephyr user profile - find instructions on how to do so here

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.