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.

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Last updated: 12.07.18

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%

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%

Bath BS
Product Gross Net Gross Min Gross Max
All products 0.35% + £25 0.35% £150 No max

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

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

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%

Coventry
Product Gross Net Gross Min Gross Max
Standard 0.43% 0.40% No min £4,000
BTL 0.43% 0.40% No min £4,000
Product Transfer 0.30% 0.28%

Darlington BS
Product Gross Net Gross Min Gross Max
All products 0.35% 0.33% No min £1,050

Earl Shilton
Product Gross Net Gross Min Gross Max
All Products 0.40% 0.38% £250

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

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%

Furness BS
Product Gross Net Gross Min Gross Max
All products 0.40% 0.38%

Godiva
Product Gross Net Gross Min Gross Max
BTL 0.43% 0.40% No min £4,000
BTL Product Transfer 0.30% 0.28%

Halifax
Product Gross Net Gross Min Gross Max
All products including Product Transfer & Further Advance 0.33% 0.315%

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

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

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

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

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

Ipswich BS
Product Gross Net Gross Min Gross Max
All products 0.40% 0.37% £150

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%

Keystone
Product Gross Net Gross Min Gross Max
Classic Range 0.80% 0.70%
Solutions Range 1.05% 1.00%

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

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%

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%

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

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

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

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%

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%

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%

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% £400 (£375 net) No max
BTL 0.50% 0.45% £400 (£375 net)
Retention Products 0.20% 0.18%

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%

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%

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%

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

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.