As a Caerus member, you must use Paradigm as your payment route for mortgage business. You can find out more about this here.

If you have any questions about this please call us on 0121 781 7337.

Paradigm Mortgage Services has secured leading procuration fees (proc fees) as follows:

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Last updated: 23.10.18

Accord Mortgages
Product Gross Net Gross Min Gross Max
BTL 0.50% 0.45% No max
Residential 0.45% 0.405% £200 (Gross) No max
Ported -additional loan (top up amount only) 0.30% 0.27%
Retention - residential 0.30% 0.27%
Aldermore
Residential & BTL 0.45% 0.405%
Retention/Product Transfer 0.35% 0.315%
Specialist BTL 0.75% 0.675%
Bank of China
Please refer to packagers panel under Solent Mortgage Services
Woolwich
Residential 0.40% 0.36% No min No max
BTL 0.40% 0.36% No min No max
Offset 0.40% 0.36% No min No max
Retention/Product Transfer 0.20% 0.18% No min No max
Further Advance 0.30% 0.27%
Bath Building Society
All products 0.35% + £25 0.315% £150 No max
BM Solutions
BTL/H2H/Self Build 0.44% 0.396%
Note: Above rates apply to new loans, product transfers and additional borrowing over £15k.  Where a min fee applies, the min for additional borrowing over £15k is £100.
Cambridge Building Society
Residential & BTL 0.40% 0.36%
Retention products 0.20% 0.18%
Chorley
BTL 0.50% 0.45%
Residential 0.40% 0.36%
Clydesdale Bank
All products 0.40% 0.36% No min No max
Coventry
Standard 0.45% 0.405% No min No max
Product Transfer 0.30% 0.27%
BTL 0.45% 0.405% No min £4,000
Darlington
All products 0.35% 0.315% No min £1,050
Earl Shilton
Up to £74,999 £275 £247.50
£75,000 - £149,999 £525 £472.50
£150,000 - £250,000 £775 £697.50
Over £250,000 0.35% 0.315%
The Family Building Society
Residential 0.42% 0.37% £180 (Gross) No Max
BTL 0.52% 0.468% £234 (Gross) No Max
Product Switch 0.22% 0.198%
Further Advance 0.27% 0.243%
Offset Mortgage 0.52% 0.468% £234 (Gross) No Max
Family Mortgage 0.57% 0.513% £256.50 (Gross) No Max
Fleet Mortgages
All products 0.50% 0.45%
Foundation Mortgages
All Products 0.50% 0.45%
Godiva
BTL 0.45% 0.405% No min No max
BTL Retention 0.30% 0.27%
Halifax
All products 0.33% 0.297%
Harpenden
Please refer to Paradigm for proc fees
Hinckley & Rugby
All products 0.37% 0.333% £300
Hodge
55+ Residential Mortgage 0.55% 0.495% £225
55+ Product Transfer 0.25% 0.225% £0 No max
Retirement Interest Only Mortgage 0.55% 0.495% £225 No max
RIO Product Transfer 0.25% 0.225% No min No max
Investec
Mortgages 0.50% 0.45%
Professional Mortgage Residential £750 £675
Professional Mortgage Buy to Let £1,000 £900
Ipswich
All products 0.40% 0.36% £150
Kensington
All Products 0.50% 0.45%
Kent Reliance
Residential 0.40% 0.36%
BTL 0.50% 0.45%
Retention products 0.25% 0.225%
Keystone
Classic Range 0.80% 0.72%
Solutions Range 1.05% 0.945%
Leeds BS
Residential 0.40% 0.36% No min £2,250
BTL & Holiday Lets 0.50% 0.45% No min £2,250
Manchester
Mainstream 0.30% 0.27%
BTL 0.50% 0.45%
Marsden
Residential 0.40% 0.36%
BTL 0.50% 0.45%
Professionals 0.40% 0.36%
Older Borrowers/Retired 0.60% 0.54%
Metrobank
Residential 0.40% 0.36% £20,000
BTL 0.43% 0.387% £20,000
Product Switch 0.30% 0.27%
NatWest
BTL 0.45% 0.405% £250 £10,000
Residential/Remortgage 0.40% 0.36% £250 £10,000
Nationwide
Residential 0.35% 0.315%
Retention 'Switcher' products 0.20% 0.18%
Nottingham Building Society
Residential 0.40% 0.36% £200 (gross) £2000 (gross)
BTL 0.40% 0.36% £200 (gross) £2000 (gross)
Platform
BTL 0.48% 0.432% No min £2,500
Mainstream 0.40% 0.36% No min No max
Retention/Product Transfer 0.30% 0.28%
Precise
Buy to Let 0.60% 0.54%
Residential 0.60% 0.54%
Bridging & Short Term Lending 1.75% 1.575%
Fee Free Bridging 1.00% 0.90%
2nd Charge Loans 1.50% 1.35%
Principality
Standard 0.40% 0.36% No min £2,500
BTL 0.40% 0.36% No min £2,500
Retention 0.20% 0.18%
Progressive
Retention 0.20% 0.18% £200 No max
All products (Proc fee rates apply for loans over £30k) 0.38% 0.342% £175 £1,500
Renegotiation products (Proc fee rates apply for loans over £30k) £150 £150
Santander
Standard Residential 0.36% 0.32% £250
BTL 0.50% 0.45% £250
Retention Products 0.20% 0.18%
Scottish Widows
Mortgage inc. Product Transfer 0.40% 0.36%
Further Advance to an existing SW Client £120 flat fee £108 flat fee
Skipton
Residential 0.40% 0.36% £90 Net £3,600 Net
BTL 0.50% 0.45% £90 Net £3,375 Net
Residential Retention 0.30% 0.27%
BTL Retention 0.35% 0.315%
Shared Ownership 0.45% 0.405%
TML
All Products 0.80%* 0.522% *Includes a marketing allowance. The gross for members is 0.58%
TMW
Buy to Let (all products) 0.48% 0.432%
Retention 0.20% 0.18%
Large Portfolio 0.54% 0.49%
Tipton
Residential 0.42% 0.378%
BTL 0.45% 0.405%
Ulster Bank
All products 0.35% 0.315%
Vida Homeloans
Residential 0.45% 0.40%
Buy To Let 0.50% 0.45%
Virgin Money
Residential, BTL & Shared Ownership 0.50% 0.45% No min No max
Retention/Product Transfer 0.38% 0.342% No min No max
Ported 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.