Invoice templates for mortgage brokers covering arrangement fees, advice fees, remortgage services, and protection referral charges.
A mortgage broker invoice records fees charged for providing independent or tied mortgage advice and arranging mortgage products for clients. UK mortgage brokers must be authorised and regulated by the Financial Conduct Authority (FCA), operating under FCA rules for fair client charging and clear fee disclosure. Mortgage brokers earn revenue in two ways: a procuration fee paid by the lender (which the client does not see on the invoice) and/or a broker fee paid directly by the client. Broker fees must be disclosed upfront in the Initial Disclosure Document (IDD) and the Mortgage Illustration. The fee should match what was agreed and disclosed — any deviation requires re-disclosure. Invoices from mortgage brokers must clearly state the nature of the fee charged and the FCA authorisation number.
| Service | Typical Rate | Unit |
|---|---|---|
| Mortgage advice and arrangement fee (residential purchase) | 499 | case |
| Remortgage advice and arrangement fee | 349 | case |
| Buy-to-let mortgage advice fee | 599 | case |
| Protection / life insurance advice fee | 150 | case |
| Complex case / adverse credit fee | 750 | case |
| Administration fee (if separate from advice fee) | 199 | flat |
| Second charge / bridging loan arrangement | 999 | case |
Mortgage brokers must disclose their fee structure in writing before providing any advice — in the Initial Disclosure Document. The invoice must match what was disclosed. Most brokers charge a flat fee per case, payable either on mortgage offer or on legal completion. Charging upfront (before offer) is possible but clients often resist this as the mortgage may not proceed. For FCA-regulated activities, mortgage advice itself is typically VAT-exempt as a financial service. However, an administration or document handling fee may be VAT-rated — take advice from your compliance officer or accountant on the correct VAT treatment. For clients with complex cases (adverse credit, unusual property types), a higher fee may be justified. This must be agreed and disclosed before advice commences — never add fees after the fact.