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Your home is at risk if you do not keep up your repayments on a mortgage or other loan secured on it, think carefully before securing debts against your home. Model Mortgages is a trading name of Homesavers Mortgages and Loans Limited. As indedependant mortgage brokers a fee may be charged where your requirements fall outside our normal criteria or where additional work is involved to obtain a mortgage for you or where no procuration fee is paid by lender. Normally we do not charge a fee but in these circumstances the fee will be £95 payable on application and Non refundable. We will advise you once we understand your requirements if we are going to charge a fee and we will explain this and provide details in writing.