This page explains how our fees work, what you receive in return, and when fees become payable. We aim to keep our charging structure transparent and easy to understand.
1) Our role
YATIRIM UK | YUK® 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:
Brokerage and Concierge/Administration Services Fee: 0.5% to 1.0% of 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. They may include:
Translation and language support
Translation of client-provided documents between English, Turkish, Arabic, and French
Interpreting support for calls or meetings where needed (availability dependent)
Document preparation and organisation
Document checklist preparation tailored to lender requirements
Structuring, labelling, and compiling documents for submission (for example, payslips, bank statements, tax documents)
Drafting standard supporting statements based on information you provide (for example, cover letters, explanation notes)
Application administration
Appointment coordination and follow-ups
Secure collection of documents and progress tracking
Liaison with relevant third parties (for example, estate agents, solicitors, survey booking channels) where requested
General client support
Step-by-step process guidance from start to completion
Dedicated point of contact, including weekend availability where possible
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 (Start of service): 50% of the agreed fee is payable when we begin work on your case (case setup and document preparation stage).
Stage 2 (Mortgage offer): 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)
