You should know how we are paid before you trust our advice.

You pay CredMe

For the consultation, the CredReport and the advisor

AED 0

The lender pays us on completion

A commission, paid only if your mortgage completes

Commission

Bank and government charges

For example the lender’s processing and valuation fees and property registration fees. They are set by the bank or the relevant authority and paid by you directly to them, not to CredMe

Not CredMe’s

No. CredMe charges you no mortgage advisory or brokerage fee: you pay nothing for the consultation, the CredReport or the advisor. CredMe is paid a commission by the lender, only when your mortgage completes. The bank and government charges that come with any mortgage are separate from our service: they are set by the bank or the relevant authority, and you pay them directly to them.

What your advisor does is the same whichever lender you choose, and who is behind CredMe covers the founder and how the business is run.

You should be able to see how a broker is paid, so that you can weigh their advice. Ours is set out above: you pay CredMe nothing, and the lender pays us a commission only if your mortgage completes.

This is also why we rank lenders by fit rather than by rate. The cheapest rate on the market is often the wrong choice: if your employer is not on that bank’s panel, or they count only basic salary, a lower rate can leave you with a smaller mortgage and a longer wait. We show you what you are trading, and then we tell you what we actually think.

• •Send your details to a lender before you have told us to
• •Run a credit check to show you where you stand
• •Put you on a marketing list, or share your number with anyone
• •Recommend a lender we would not use ourselves

Ask us at any point and we will delete what we hold on you, apart from records we are required to keep.