We are free to deal with any mortgage lender and will review
the market place to identify the most suitable mortgage product for you.
There are three levels of
service available. These are:
a) Full advice and recommendation;
b) Information on different types of mortgage products
available to allow you to make a choice;
c) Information on a single product only, where no advice is
given.
We will normally offer a full advice and recommendation
service unless you request otherwise. We will also provide you with information
relevant to your mortgage needs, covering such items as an explanation of the
main repayment methods and the implications of taking out a mortgage.
A detailed mortgage / financial review questionnaire will be
completed to enable appropriate advice to be given on your mortgage and other
related insurance products. Once we have made our recommendations to you, we
will confirm our advice in writing. You should keep this as it will be an
important record of our discussions. Details of the loan will also be confirmed
in your lender's formal offer.
We do not charge you a fee for arranging your mortgage.
My firm may receive fees from lenders with whom we place
mortgages. If the fee is up to £250, we will confirm that we will receive up to
this amount. If the fee is £250 or more, we will confirm the exact amount with
you. We do not receive a fee if your mortgage application fails.
My firm may also receive a fee from insurance companies, if
you take out insurance through ourselves.
Our aim is to provide you with a first class professional and
confidential service - should a complaint arise, in the first instance you
should contact us at the above address.
Please note that investment properties
are not regulated by the Financial Services Authority.
We provide illustrations from computer software provided by
third party organisations. Occasionally, errors and omissions will occur. We
cannot be held liable for errors and omissions on the illustrations. The actual
terms and conditions of your mortgage will be shown on the lender's mortgage
offer document.
We are unable to show minor costs on the illustrations, for
example, lenders will typically charge a telegraphic transfer fee, usually £25.
Where a lender's fee (for example valuation fee) is requested
with your application, please be aware that the fee may not be refundable should
your application not proceed to completion.
We will treat all your personal information as private and
confidential (even when you are no longer a customer) except where we are
permitted by law or where the disclosure is made at your request or with your
consent in relation to arranging your mortgage or insurance requirements.
Consumer Credit license no. 476771
