capital.works®

service fees

1. Our role

YATIRIM UK acts as a credit broker, not a lender. We support clients throughout the mortgage application journey by coordinating the process, preparing documentation, and liaising with relevant third parties. We do not make lending decisions.

2. How our fees are calculated

Our fees are based on the mortgage amount and typically fall within the range below:

0.5% to 1.0%

Brokerage and Concierge / Administration Services Fee, calculated on the mortgage amount.

The exact percentage depends on the complexity of your case and the scope of support required (for example, the number of applicants, income sources, residency status, or the level of translation and documentation support needed).

Where applicable, we will confirm your exact fee and the fee breakdown in writing before we start.

3. What our fee covers

Our fee may include one or more of the following services, depending on what you request and what your case requires.

A) Mortgage brokerage support (credit broking activity)

  • Initial fact find and affordability discussion (high-level, based on information you provide)
  • Guidance on lender criteria and packaging your application to meet lender requirements
  • Coordinating submission to an appropriate lender (directly or via an approved network)
  • Managing communications during the application stage up to the formal mortgage offer (where relevant)

B) Concierge and Administration Services (non-credit-broking support)

These are practical, hands-on services that help you progress your application efficiently and reduce delays.

  • Translation and language support: translation of client-provided documents between English, Turkish, Arabic, and French; interpreting support where needed
  • Document preparation: checklist tailored to lender requirements, structuring and compiling documents, drafting standard supporting statements
  • Application administration: appointment coordination, secure document collection, progress tracking, and liaison with third parties
  • General client support: step-by-step process guidance and a dedicated point of contact
Important: These services do not guarantee that a mortgage will be offered. Mortgage decisions are made by lenders and are subject to underwriting and eligibility checks.

4. When the fee is payable

Unless otherwise agreed in writing:

  • Stage 1: 50% of the agreed fee is payable when we begin work on your case (case setup and document preparation stage).
  • Stage 2: The remaining 50% becomes payable once the lender issues an official mortgage offer.

5. VAT treatment

  • UK clients: Fees are charged plus VAT.
  • Non-UK clients: VAT is not applicable, where the supply is treated as outside the scope of UK VAT.

If VAT treatment changes based on circumstances, we will confirm in writing.

6. Refunds and your rights

You may have the right to a refund in certain circumstances under Section 155 (where applicable). Your rights and any refund position will be set out clearly in our pre-engagement documentation before we take any fee.

7. Confirmation of fees before we proceed

Before we start, you will receive a written confirmation that includes:

  • The exact fee percentage and estimated fee amount
  • What services are included for your case
  • The payment schedule and VAT position (if applicable)

YATIRIM UK LIMITED T/A capital.works® is authorised and regulated by the Financial Conduct Authority (FCA), FRN 1049015, and is an authorised credit broker and not a lender.