The Financial Conduct Authority

The Financial Conduct Authority (FCA) is the independent watchdog which regulates financial services. The FCA requires us to explain the services we provide and how you will pay for them. It is therefore important that you take the time to read this message.

What products do we offer?

Mortgages
We offer a comprehensive range of mortgages from across the market but not
products that are only available by going direct to a lender.

Equity Release
We offer equity release and home reversion products from the whole market.

Insurance
We offer products from a range of insurers for life assurance, critical illness, income protection, accident sickness and unemployment and buildings and contents.

What service do we provide?

For mortgages, equity release and insurance we will advise and make a recommendation once we have fully assessed your needs.

What you will have to pay for our services?

We try to avoid charging fees as we receive a payment from the lender or insurance company we place your business with. However in certain circumstances it may be necessary to charge a fee. This will be no more than £350 and will be payable on completion of the
application. If a fee is payable we will advise you of the exact amount involved at the outset in order that you may decide whether or not to use our services.

Who regulates us?

We are authorised and regulated by the Financial Conduct Authority, our registration number is 503918. Our permitted business is advising on and arranging mortgages, equity release and non investment insurance contracts. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

What to do if you have a complaint

If you wish to register a complaint, please contact us in writing or by telephone. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Mortgage and equity release advising and arranging is covered up to a maximum limit of £50,000. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS.