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Fees

Since we do not charge you any direct fees for the general insurance, mortgage or protection services, we will take our commission from the insurance or mortgage product provider. We believe in transparency and will always disclose our commissions as part of our recommendation.   For all other services, such as investment or pensions advice, the product provider will usually facilitate payments on your behalf. The payment fees will be taken directly from your account from the product provider and they will send the commission directly to us. For all consulting fees, you can pay for them via our secure online payment system, a bank transfer or even set up a direct debit if there is an ongoing annual fee.   If you experience any payment issues or have any queries about any of our fees or commissions, please do not hesitate to contact our support team at support@fintuity.com and we will always help you out.
Our fees are fully transparent and you will only pay for what you access and use.
We typically charge an advice fee of 2% based on the value of your investment or plans we review. In comparison to traditional IFAs, our fees are considerably less than the usual 3% – 4.5%, however by employing the use of technology to work efficiently, we can pass on our savings to you.
  We do not charge you any direct fees for our general insurance and protection services as we receive our commissions direct from the product providers. Whilst our commissions are paid from the product provider directly, we will always ensure that your interests are never compromised over our agreements with our product providers. We purposely work with a wide range of market leading product providers so that we have can present a number of solutions for you to choose from. With this in mind and based on your requirements, our advisors will present you with several detailed and fully transparent action plans that would work for you – once presented, it is then up to you to decide which option to take! As a part of course, we will always disclose our commission as part of our recommendation report.   Mortgage advice and support is free of charge at Fintuity. Instead of taking an upfront fee, we receive commissions from the lenders and the total amount usually depends on the value of the mortgage. Once again, we will always disclose our commissions as part of our recommendation plan – transparency is important to us.
Unlike our competitors we have embraced technology to optimise our operations. This means that with an optimised advisory process and without expensive high street premises, we keep our operational costs significantly lower than a  traditional IFA. All of this means that we operate on lower-than-market investment limits and substantially-lower management fees than traditional IFA firms. In short we pass our savings on to you.

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Frequently Asked Questions
Should you have any queries about our services, fees or for any other matter please see below some of our most commonly asked questions. If you cannot find an an answer to your query please do get in touch. For more information and help please check out our Blog and Knowledge Base.
What is the difference between traditional financial advice and Fintuity’s virtual guidance service?
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Traditional advice is given by an FCA regulated financial adviser. They can review your goals and objectives to provide you with a bespoke recommendation. Our virtual driven guidance solution is based on sophisticated AI. Fintuity’s Virtual guidance tool uses your inputs to highlight potential shortfalls, allowing you to make an informed choice. Fintuity provides either of these services to our clients and if you have any questions please contact us at support@fintuity.com
Is my personal information secure?
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We take the privacy and security of your data very seriously. Fintuity takes all precautionary measures to ensure that your personal details are secure, compliant and safe from third parties. Your personal details, account data and all supporting information are fully encrypted and stored on secure servers.
How much does this cost?
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Fintuity’s virtual guidance service is a complimentary tool. The only fees you could pay are potentially product/provider fees dependant on your choice of product or provider.
If I decide to act on the choices I make can I cancel?
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Usually if you decide to cancel your chosen investment or pension with the product provider you have the right by law to cancel within 30 days. Please see the specifics of the product providers cancellation information which will be available to you when you invest. For life insurance policies, if you decide to cancel your chosen policy the 30 day cancellation will begin from the time that you were informed by the provider that the contract has been concluded or from the day on which you received the contractual terms and conditions from the provider. Please see the specifics of the policy providers cancellation information which will be available to you and part of your policy documents when you take out your policy.
Refunds after cancellation
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If you cancel, then you should receive a refund of the money you have paid within 30 days of the provider receiving your cancellation. The provider may make a deduction from the refund in relation to any services which it has provided to you during the cancellation period. Any deduction must be reasonable and can only be made if you started to receive the services before the 30 days were completed. You have a legal right to cancel your ISA or investment if you change your mind; you can do this within 30 days of the date you receive your email confirming the establishment of your ISA or investment. Please be aware that if funds have been invested within the 30 day cancellation period your investments may fall in value and you may get back less than the original value of your investment. Please see the cancellation policy that would be provided to you when you took your initial plan or policy out.
If I have any questions about the choices or investments, who can I speak to?
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At any stage throughout your process you are quite welcome to arrange a complimentary meeting with one of our independent financial advisers who can provide regulated financial advice and would highlight any fees or charges that may be applicable should you wish to proceed after your initial meeting.
Book a free consultation
Your first consultation is completely free of charge - all you need to do is to select a convenient time & date and outline how we can assist you.