Our Mortgage and Insurance Proposition

Tuesday 14 March, 2023

Read about Thomas Oliver and our highly trained Mortgage and Financial Advisers and download the full brochure to read at your leisure. 

About Thomas Oliver Mortgage and Financial Advisers

Our advisers have many years collective experience in the Financial Services Industry. All our advisers are highly trained, have passed a range of regulatory exams, undertake a programme of professional development and are tested and assessed annually to ensure they meet the exacting standards required to practice as advisers.

The process we follow

Stage 1 – Your goals
We establish your goals and aspirations for property ownership.

Stage 2 – Your requirements
We gather relevant personal and financial information and establish your requirements for your mortgage, including insurance and protection.

Stage 3 – Our recommendation
We recommend a mortgage and any relevant protection / insurance cover based on what we know about your requirements. We'll also arrange any other services you need, eg. surveys, conveyancing etc...

Stage 4 – Application process
We oversee your applications, liaising with lenders / providers to help make sure your applications progresses smoothly.

Stage 5 – Reviews
We meet regularly to review your circumstances and help keep you on track to achieve your goals.

Mortgages – Whose products do we offer


We offer a comprehensive range of products from across the market but not deals that you can only obtain by going direct to a lender.

Second Charge Mortgages

If you are purchasing a property with the help of a shared equity loan, our advice will also cover the shared equity second charge. However, we do not advise on any other second charge mortgages. If you need a second charge mortgage we will refer you to a master broker for second charges, who will be able to advise you.

Which service will we provide you with?

We will advise and make a recommendation for you on a first charge mortgage after we have assessed your needs.

You may request an illustration from us for any regulated mortgage contract we are able to offer you whenever we provide you with information specific to the amount you want to borrow following assessment of your needs and circumstances.

Alternative finance options

If you are looking to increase borrowing secured on a property that you already have a mortgage on, the following alternative finance options may be available and may be more appropriate:

  • A further Advance from your existing lender
  • A Second Charge
  • An unsecured Loan

The Openwork Partnership does not offer advice on Unsecured Lending or Second Charges.

What will you have to pay us for our services?

A minimum fee of £795.00 for a residential mortgage, or a minimum of £1,500.00 for a Buy to Let mortgage, is payable on application with maximum payable of 2% of the loan amount. For example, for a £200,000 loan the maximum you could pay would be £4,000. We will also receive commission from the lender.

If you'd like to know the range of commission payable from our lenders, please ask me for a list. You will receive an illustration when considering a particular mortgage, which will tell you about any fees relating to it. It is important that you read and understand the illustration.

Our refund policy for mortgage fees

If we charge you a fee and your mortgage does not go ahead, you will receive: No refund, if you decide not to proceed with the purchase.


Whose insurance products do we offer

We can only offer products from a limited number of insurers for life assurance, critical illness cover, income protection, household insurance, accident, sickness and unemployment insurance and cash lump sum accident protection.

Please see the Insurance Proposition Summary leaflet for details of the insurers we offer insurance products from.

Which service will we provide you with?

We are an insurance intermediary representing you, not any insurer. We will provide you with a personal recommendation after we have assessed your needs, limited to the insurance products available to us, as shown in the Insurance Proposition Summary leaflet.

What will you have to pay us for our services?

We arrange the policy with the insurer on your behalf, you do not pay us a fee for doing this. We receive commission from the insurer which is a percentage of the total annual premium. This means that if you purchase one of these products we will receive commission in addition to any adviser charges / fees you may have been or will be paying The Openwork Partnership for investment-related services. The amount of commission will be disclosed separately should you purchase one of these protection products.

You will receive a quotation which will tell you about any fees relating to any particular insurance policy.

Download the full “Our Mortgage and Insurance Proposition” below.

Our Mortgage and Insurance Proposition

Get expert advice from your local Financial Adviser today

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01707 872 000

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