We have over 25 years financial experience and we are completely independent. We have been established since 2000 and have a proven track record with many satisfied clients. We also offer a wide range of insurance products from life and critical illness to buildings and contents and cover all areas of commercial insurance. Concept Mortgages only charge a fee when you have been successful and received your mortgage offer. We will always tell you the fee before you decide if you wish to apply for your mortgage. Typically our fee for this advice and assistance is £399.00 but will depend on your circumstances and the complexity of the case. Concept Mortgages is authorised and regulated by the Financial Services Authority.