Download our Initial Disclosure Document

We are Mortgage Advisors regulated by the Financial Services Authority. We act as the agent of our client and not as the agent of any lender. We give Advice on a wide range of mortgage products offered by our extensive panel of major lenders. If we are unable to identify a suitable mortgage within this panel we are able to access the wider mortgage market to meet your individual needs.

We offer a Full advice and recommendation service.

We will provide you with a copy of “Which Mortgage Is Suitable For You” which explains briefly some of the possible mortgage choices. It is important for you to ensure that any questions you have are answered before you proceed with your Mortgage/Re-Mortgage.

At our initial contact, we will be completing a detailed mortgage/financial review questionnaire to enable appropriate advice to be given on your mortgage. When 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 discussion. Details of the mortgage will also be confirmed in your lender’s formal offer.

We may receive fees from lenders with whom we place mortgages. Where this occurs we will tell you the amount. We always source a mortgage to fit our clients requirements and not by any fees that the lender may pay us for introducing you to them. It is our policy to charge you a fee on completion of the mortgage. This is for the time taken researching the market, administration, submitting the application to the appropriate lender and ensuring the application is completed to your requirements. We will confirm the fee that applies to your mortgage before you are committed to the loan.

We will treat all your personal information as private and confidential (even when you are no longer a customer) except where the law requires is to do so or where disclosure is made at your request or consent in relation to arranging the mortgage.

The Financial Services Authority regulates the mortgage industry. As part of the FSA’s duties, we may be asked to provide them with access to our customer records in order that they may carry out an audit of out activities. You have the right to inspect the documentation we hold in respect of our dealing with you. We will keep copies of your records as per the regularly requirements. They will be kept confidential and in accordance with the requirements of the Data Protection Act 1998.

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 our Compliance Officer at our office address. Your letter will be acknowledged within 5 days, and we will then ask for the full details concerning your complaint, having received this we will give you an update to the progress of your complaint. If we have not resolved the matter to your satisfaction within 8 weeks of receiving your complaint, we will assist you in resolving it by referring it to the ombudsman.