Our Services & Fees
Background – The Purpose
It’s great that you are considering taking advantage of our services. Before we complete any work for you there are some things that we want to tell you about our services and how we will charge for them. You can use this document to decide whether our services are right for you. Please do take the time to read it - it only takes a few minutes, and it contains important information about our services. Please tell us if you need any extra help or support in accessing our services.
Are our services regulated?
Yes – most of what we do is regulated by the Financial Conduct Authority. However, services relating to most Buy to Let Mortgages are not regulated. You can see full details of how we are regulated and what permissions we hold in Section 1.
Our services relating to residential mortgages, protection and general insurance are also covered by the Financial Services Compensation Scheme. The scheme does not cover services in respect of Buy to Let mortgages. You can also find more details about the compensation scheme in Section 1.
What kind of service do we offer?
We offer advice on mortgages, life, and health insurance products. For mortgages we make
recommendations from a broad and comprehensive range of lenders from across the market.
For most insurance advice we make recommendations from a range of insurers which is representative
of the whole market. For some, more specialist, insurance products we offer advice from a narrower
range or from single providers.
You can see details of our range of products and providers and further details about our services
(including information on special advice situations like taking further advances/additional borrowing and
advice on mortgages in later life) in Section 2.
There are limitations to our advice. For example, if you are using a government scheme or any shared
appreciation, or shared equity scheme (or similar arrangements) to help you buy your property then we
won’t advise you on the suitability of that scheme. We don’t give tax advice. Section 2 also gives more
information about this.
What do we charge for our services?
For insurance products we will receive commission from the product provider. We will not charge separate fees for these services. For mortgages we may charge you a fee for our advice. You can see more details about our charges in Section 3.
What if you have a complaint?
We hope that you will love the services that we provide. But if something does go wrong, then we will work hard to put things right. You also have access to our complaint’s procedures. If you are still not happy then you may be able to refer your case to the Financial Ombudsman Service (FOS). You can see more information about our complaint’s procedures and the types of cases that FOS can consider in Section 4.
How will we handle your personal data?
We will keep your personal information private and confidential, even if you are no longer a client.
You can see full information of how we will handle your data in our separate Privacy Statements. We can
provide you with a copy of these or they can be accessed via our website. We may also make electronic
checks to verify your identity or for fraud prevention.
You can see more information about data privacy and electronic checks in Section 5
Section 6 contains information about how we manage conflicts of interest and our procedures relating to
client money.