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 standard broker fee, paid only if your mortgage completes

0.5% to 1%

How much that varies between lenders

The number that actually matters, because it is what could bias a recommendation

Negligible

Lenders paying for placement or ranking

There is no priority list, and none is for sale

None

No. You pay nothing for the consultation, the CredReport or the advisor. CredMe is paid a broker fee by the lender, only when your mortgage completes, and the arrangement above is the whole of it.

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.

If a broker earned materially more from one bank than another, you would have no way of knowing whether a recommendation reflected your file or their fee. Because our fee sits in the same narrow range across the panel, we have no reason to prefer one lender over another, and every reason to put you with the one most likely to approve you on good terms.

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 everything we hold on you.