Schedule of Fees & Charges
Life, Pensions & Investment Fees
You may elect to deal with us on a fee basis. The following hourly fees will apply.
Advisor fees: €200 per hour.
Support staff: €100 per hour.
If we receive commission from a product provider, this may be offset against the fee which we will charge you. Where the commission is greater than the fee due, the commission will become the amount payable to the intermediary unless an arrangement to the contrary is made. Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency, our scale of fees for such cases range from a minimum of €250.00 per hour to a maximum of €350.00 per hour. We will notify you in advance and agree the scale of fees to be charged.
Investment Intermediary Services
Carty Cullen is remunerated by commission for its investment intermediary services.
Carty Cullen may receive commission up to 1% (or whatever maximum is applicable) of the loan for arranging mortgage finance. This commission is paid by the Mortgage Lender. The actual amount of commission will be disclosed at a later stage in the ESIS (European Standardised Information Sheet) which will be forwarded to you. Information on the variation in levels of commission payable by the different creditors providing credit agreements being offered are available on request.
We charge a fee of €250.00 for advising on a mortgage application, this fee is non-refundable. This is not in any way an indication of mortgage/loan approval. On receipt of approval in principal a further €250.00 will be charged, again non-refundable whether the client draws down the mortgage or not. Our fee will be notified to the lender who will include this fee into the calculation of the APRC (Annual Percentage Rate Charge).
Please note that lenders may charge specific fees in certain circumstances and if this applies, these fees will be specified in your Loan Offer. You have the right to pay a fee separately and not include it in the loan. Typically, this situation arises in relation to specialist lending.
Carty & Cullen Limited T/A Carty Cullen is regulated by the Central Bank of Ireland
Registered Address: Unit 1F, Deerpark Business Centre, Claregalway Road, Oranmore, Co Galway.
Registration Number: 331316 - Registered in Co. Galway.
Directors : Michael Carty & George Cullen
Phone: (091) 751 067 - email: email@example.com