Your Income

The first questions we are always asked by new business introducers are "How much will I earn and when do I get paid?"

We have always paid our introducers by BACS or CHAPS transfer on the day the transaction completes. This can sometimes be ten days earlier than we are paid. Our view is that you should not be penalised by having to wait for us to receive our income - we don't have a cashflow problem and nor should you.

With so many products on offer, we like to...

…keep how much we pay you as simple as possible.

We do not charge upfront fees to your customer – guaranteed.

Just like all other brokers, our income is usually made up from commission from our lender and charging fees that are paid to us upon completion. We then pay you your share of this income and this is how we structure our commission.

When you introduce an enquiry to us, you will know from the outset the commission you are likely to receive. As a guide, you can expect to receive the following, but it can be increased if you wish to earn more or decreased if you want a better deal for your customer.

Type of advance

Loan term

Loan amount

Average time to
complete transaction
Second Charge
Secured Loan
3-35 years £3,000 - £56,000 17 days 4% minimum
2-35 years £56,001 - £5 million 17 days 1% - 4%
Second Charge
Secured Loan
3-35 years £3,000 - £75,000 17 days 4% minimum
3-35 years £75,001 - £5 million 10 days 1.5% - 2% minimum
First Charge Mortgage
3-35 years £3,000 - £10 million Purchase - varies
Remortgage - 28 days
4% minimum
Commercial Mortgages 3-35 years £100,000 - £50 million Purchase - varies
Remortgage - 28 days
0.5% - 1%
Bridging Loans 1-36 months £100,000 - £50 million Purchase - varies
Remortgage - 10 days
0.5% - 1%
Development Finance 1-36 months £100,000 - £50 million Purchase - varies
Remortgage - 21 days
0.5% - 1%

Obviously, these figures are for guidance only and may be subject to change. They are also dependent on us receiving our standard completion fee.

Loan Commission without the 50/50 split!
We have come up with what we believe to be the most transparent commission structure in the UK, and a truly fair and flexible solution. When you submit a remortgage application to a lender you know how much you will earn, as the lender will pay you a percentage of the advance. At Specialist Hub we do exactly the same, except we pay you much more.

On our second charge loans, our commission structure couldn't be simpler. We will pay you a fixed percentage of the net loan amount, so for example if we arrange a secured loan for your client of £40,000, you will earn 4% of the advance - £1,600 without any deduction of processing costs. It doesn't matter which lender we proceed with or what the interest rate is - your commission is still 4%. It doesn't matter what the processing costs are - you will still earn 4%. Regardless of what expense we incur during the process, your income is 4%.

If you only wanted to earn £500 commission we would reduce the broker fee charged by £1,100. Our income stays the same, but your client is charged lower fees, a lower APR and more importantly a lower monthly repayment.

This 4% commission applies to all second charge secured loans up to £56,000, regardless of who the lender is. For applications over £56,000 our lenders usually cap the fees we can charge so we pay slightly less than 4%, so please call us.

With commercial, bridging and development finance, your income is determined by the lender we source as the best option for your customer. On average, you will receive 0.75% of the advance, which on a £500,000 advance would give you £3,750.

We realise that every introducer is different. That's why our commission structure is flexible enough to suit your requirements and treat your customer fairly at the same time. All fees, commissions and product terms are declared to your client before the loan process starts, so there are no nasty surprises in the future when they come to repay the loan advance.

We believe our way is fairer and more transparent for you, is much fairer to your client and is keeping with 'Treating Your Customer Fairly'

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Everything you need to submit business with the U.K.'s original and best Specialist Finance provider.

From Decision in Principle Forms, our valuation payments form, Initial Disclosure Documents for all products and other Compliance Documents, everything you need is in one place.

However, if you cannot find what you are looking for, call us free on 0800 810 1888 or click here to email us directly.

Contact Us

  • Audley House, Northbridge Road, Berkhamsted, Hertfordshire, HP4 1EH
  • 0800 810 1888
  • 0800 810 1005

All calls are recorded for training and compliance purposes. Specialist Hub is a trading style of Specialist Financial Services Ltd. Registered in England and Wales, company number 05309450. Registered office is 133 Canalot Studios, 222 Kensal Road, London W10 5BN. Specialist Financial Services Ltd is authorised and regulated by the Financial Conduct Authority, FRN 676853. This website is for professional intermediaries and introducers only, and is not intended for use by the general public. Reproduction of this website in whole or in part without permission is prohibited.
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