We are free to deal with any mortgage lender and will review the market place to identify the most suitable mortgage product for you. Some products may not be available through us if a lender chooses to restrict the availability of a particular product.
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. This amount will be confirmed in the mortgage documentation. 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
