Combined Services and Costs Disclosure with Terms of Business – Agreement Form
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 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).
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 of 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?
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 of 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.
