GDPR
1. Whose products do we offer?
Mortgages
We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries. We do not consider products which are only offered directly to the public from a lender (direct deals).
Insurance
We only offer products from a single insurer for buildings and contents insurance; mortgage accident & sickness protection.
We only offer products from a limited number of insurers for private medical insurance.
We offer products from a range of insurers for life, critical illness and income protection plans (ask us for a list of the insurers we offer insurance from).
2. Which service will we provide you with?
Mortgages
We will advise and make a recommendation for you after we have assessed your needs. Our recommendation will be based on a comprehensive analysis of the first charge mortgage products available through mortgage intermediaries.
Insurance
We will advise and make a recommendation for you after we have assessed your needs for life; critical illness and income protection insurance; buildings and contents insurance; landlords insurance; mortgage accident and sickness protection; and private medical insurance.
3. What will you have to pay us for our services?
You will pay us charges for mortgage advice provided. The details of these charges will be discussed with you and set out in detail on the personalised illustration we will give to you.
To enable you to compare our advice charges with other firms, we set out below the charges we make for our advice and how that advice is paid for. The information on our product charges are set out in the relevant Key Features Document.
Mortgages
Our mortgage advice service is paid for by way of fees paid to us, as detailed below. Generally speaking, these fees will fall in line with our time spent on servicing your product & criteria ‘type’, as follows:
- Product Transfers £99
- Remortgage to a new lender £299
- New purchase £399
- Equity Release / Help to Buy / Right to Buy / Shared Ownership £499
We will also be paid a procuration fee from the lender.
You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.
Refund Fees
Our fee is only payable once a full offer of lending has been secured with a mortgage offer from the provider.
If we charge you a fee and your mortgage does Not go ahead for any reason, you will receive **No Refund.
** Exceptional circumstances may be considered.
Insurance
We will arrange the policy with the insurer on your behalf. We may receive remuneration for this from the insurer which is taken from the premium charged to you by the insurer. You will receive a quotation from the insurer which will tell you exactly how much you will pay for any insurance policy.
Where there is a need for you to pay us directly this will be discussed and agreed with you in advance.
4. Who regulates us?
Mortgage Matters LTD is authorised and regulated by the Financial Conduct Authority (FCA), 12 Endeavour Square, Stratford, London E20 1JN. St. Mortgage Matters LTD Financial Services Register number is 974762.
Mortgage Matters LTD permitted business is advising on and arranging mortgages and insurance contracts. For the purposes of the Insurance Distribution Directive, Mortgage Matters LTD are acting as an insurance intermediary.
You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.
Mortgage Matters Ltd considers the fair treatment of clients to be core to its culture and that putting clients at the centre of our business is not only “doing the right thing” but is also good for our business. Understanding that our success is dependent upon satisfying the needs of our clients and ensuring that their experience is positive in every sense.
In other words, treating customers fairly (TCF) is more than a regulatory requirement, it is a way of life.
What to do if you have a complaint
If you wish to register a complaint, please contact:
…in writing Write to: Mortgage Matters LTD, 5 New Forest Way, Leeds, LS10 4GH
…by phone: Telephone: 0203 9680041
…by email: info@mortgagehealthmatters.co.uk
If you cannot settle your complaint with Mortgage Matters LTD, you may be entitled to refer it to the Financial Ombudsman Service, Exchange Tower, London, E14 9SR; Telephone 0800 023 4567, website:
Are we covered by the Financial Services Compensation Scheme (FSCS)?
Mortgage Matters LTD is covered by the FSCS for the products and services provided by the UK authorised firms within the Group. You may be entitled to compensation from the scheme if a UK authorised firm cannot meet its obligations. This depends on the type of business and the circumstances of the claim.
- Mortgage business – Mortgage advising and arranging are fully covered up to a maximum of £85,000.
- Insurance business – Insurance advising and arranging is covered for 90% of the claim without any upper limit. For compulsory classes of insurance, professional indemnity insurance, pure protection contracts and general insurance relating to injury, sickness or infirmity, insurance advising and arranging is covered for 100% of the claim without any upper limit. This also applies to advising and arranging long term care insurance.
Further information about compensation scheme arrangements is available from the FSCS.
Communications?
Mortgage Matters LTD may contact you in English, by various means, from time to time during your business processing; as well as marketing contact following this transaction (ie: mortgage renewals, birthday well wishes or other services offered/provided). Marketing contact is not automatically assumed and your acceptance of this can be provided on page 2 of this document.
Acting in your interests
Where any conflicts of interest are identified, these will be managed honestly, fairly and, where possible, consistently, and in a transparent manner. Mortgage Matters LTD management are actively involved in the management and resolution of any conflicts to ensure fair treatment of all parties.
If any material conflict of interest arises in relation to business that we are arranging for you, we will inform you in writing and obtain your consent before we carry out your instructions. Further details of the Group Conflicts of Interest Policy can be obtained on request.
Client categorisation and your rights
We will categorise you as a retail client in accordance with the FCA’s rules.
Client identification
Mortgage Matters LTD are required to establish the identity of all applicants and may therefore disclose information provided by you in connection with your application to third parties for this purpose. We may verify your identity electronically, against public records through an independent agency (Experian DQS). Your credit file will show that an identification check has been carried out by that agency, but this information will not affect your credit rating.
Data Protection Regulations
Mortgage Matters LTD are the data controllers of any personal data you provide to us during this review and any personal data you subsequently provide, or which is processed in connection with the products and services we provide to you.
We will collect and use your personal data such as your name and contact details, health information, family and lifestyle information, personal assets and liabilities, tax and residency details, financial products already held (e.g. Pension, investments and protection).
We will use the personal data for the provision of financial advice and services, administration, communication, risk assessments, fraud prevention and other regulatory or legal purposes.
If we need to collect special categories of data (e.g. health information) we will request your consent to do so and clearly explain why we need the data, the implications of not providing the data and what will happen if consent is subsequently withdrawn.
In order to provide these services, we may share the personal data you provide with third parties such as adviser support specialists, product & service providers, 3rd party companies providing administration services. We may also need to share it with HM Revenue and Customs and our regulators such as the Financial Conduct Authority.
Where you are providing us with personal data about another individual, you will inform them that you are providing their information to us, refer them to our privacy notice available at mortgagehealthmatters.co.uk or by requesting this via email info@mortgagehealthmatters.co.uk and obtain their consent to our use of their special categories of personal data, such as health information where we indicate it is required.
For further information on our use of your personal data and your rights, please see our Privacy Policy which can be accessed at mortgagehealthmatters.co.uk or by requesting this via email info@mortgagehealthmatters.co.uk.
Should you have any enquiries relating to the personal data that we may hold about you or how your personal data is processed, you can contact our Data Protection Officer, at julie@mortgagehealthmatters.co.uk.
Confidentiality
Mortgage Matters LTD adheres to a confidentiality policy which requires us to treat all information about you in the strictest confidence.
Client Declarations
I confirm that I am happy to accept future marketing contact in the following formats:
Email: Telephone: Post: Text:
I consent to the collection and processing of special category data (eg. Health, ethnic origin) to assist in obtaining the desired advisory outcome, by providing my initials here: /
I hereby confirm my agreement to your Terms of Business and provide my acceptance of your fee payment, for services provided, as detailed within the above cost disclosures:
Name/s: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
X_________________ Date: _ _ _ _ _ _ _
Applicant 1
X_________________ Date: _ _ _ _ _ _ _
Applicant 2
