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We make it easy to understand our fees and charges

Schedule of Fees and Charges

Secured Loans > Our Loans > Homeowner Loans > Schedule of Fees and Charges

We believe in being open and honest about our loans – see below for a full schedule of our fees and charges:

Product Fee

Charged if you have been referred to us by an introducer (including associated companies), we will pay to them a fee for the introduction.

10% of loan advance
Lending Fee
Charged for assessing and processing your loan application.
• For Loans of £1,000-£4,999 = Lending Fee will be £299.

£5,000 – £9,999 = Lending Fee will be fixed at £499.00

Loans £10k + = Lending Fee will be fixed at £699.00


Deed of Postponement
Administration fee charged if we authorise the postponement of our charge in favour of another lender.
Late Payment Reminder Letter
Charged on each occasion that you do not make your monthly instalment within 15 calendar days of the regular due date
Payment Returned Unpaid
Charged for each cheque, card payment, standing order or direct debit which is returned unpaid by your bank if you do not make your monthly instalment within 15 calendar days of the regular due date
Issue of Default Notice
Charged on each occasion that your account enters or re-enters default status.
Field Agent Fee
Charged if a home visit is undertaken to establish your financial situation when your account is in arrears, or where other communication methods have not been successful. Please note that additional trace-related charges may be applied (at cost) if you move residence without advising us accordingly.
Solicitors Instruction
Charged if solicitors are instructed to commence litigation proceedings.
Asset Management (in the event of repossession)
Charged in the event of repossession to cover the administration costs associated with the sale of the secured property. Any other charges incurred as a result of the litigation, including but not exclusively; solicitors costs; estate agency fees, repossession agent fees; clearance costs and locksmith’s costs, will also be applied to your account at cost.
Court Costs
Any court costs incurred in enforcing the agreement will be charged at cost, including but not exclusively; county court judgement applications, attachment of earnings.


Warning: Late payment can cause you serious money problems. For help, go to moneyhelper.org.uk

How our customers rate us

We’re proud of the high standard of our customer service and believe that each of our customers should be treated as an individual.
Evolution Money 96 out of 100, based on 178 reviews over the past year. 178 user reviews. Read our reviews

Members of the The Finance & Leasing Association

FLA logoWe are a member of the FLA (Finance and Leasing Association) and subscribe to its lending code.


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Our Address

Evolution Money,
9 Portland Street,
M1 3BE

Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

0161 814 9165

Contact by Email

Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 9 Portland Street, Manchester, M1 3BE. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

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