Key Fact's - About our services

This doucment can be downloaded as a PDF here

Rightmortgageadvice.co.uk
23 Ingersley Road
Bollington
Macclesfield
Cheshire
SK10 5RE
Telephone number: 07815 433 870

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. This document has been designed by the FSA to be given to consumers considering buying certain financial products. Use this information to decide if our services are right for you.

2. Whose Products Do We Offer?

Insurance

We offer products from a range of insurers for Non Investment Life Assurance, Critical Illness Cover, Income Protection & Home Insurance

Mortgages

We offer mortgages from the whole market.

3. Which Service Will We Provide You With?

Insurance

We will advise and make a recommendation for you after we have assessed your needs for Life Assurance, Critical Illness Cover, Income Protection Benefit, Accident, Sickness & Unemployment and Household Insurance.

Mortgages

We will advise and make a recommendation for you on mortgages after we have assessed your needs.

4. What Will You Have To Pay Us For This Service?

Insurance

No Fee. This applies to any products for Life Assurance, Critical Illness Cover, Income Protection Benefit, Accident, Sickness & Unemployment and Household Insurance.

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

Mortgages

In most cases no fee will be charged. We will be paid by commission from the lender.

For small mortgages or non standard cases a fee of £245 will be payable upon completion of your mortgage application. We will also be paid commission from the lender.

In exceptional circumstances for very complex cases a fee of £245 will be payable upon submission of your application to the lender and a fee of 0.5% of the mortgage loan payable upon completion of your mortgage. For example on a mortgage of £100,000 our fee would be £245 on application plus £500 on completion. We will also be paid commission 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

If we charge you a fee, and your mortgage does not go ahead, you will receive:

A full refund if the application is rejected unless this is due to incorrect or misleading information provided about the application or the property being unsuitable to mortgage for reasons not apparent at application.

5. Who Regulates Us?

Rightmortgageadvice.co.uk is an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Services Authority. Julian Haris Mortgages Limited FSA Register number is 304155

Julian Harris Mortgages Limited’spermitted business is: Advising on and arranging Mortgages and Non-investment insurance contracts.

You can check this on the FSA’s Register by visiting the FSA’s Website on www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.

6. What To Do If You Have A Complaint?

If You wish to register a complaint, Please contact Us:

                 ……..in writing    Write to   The Compliance Officer, Julian Harris Mortgages Limited, Musgrove, Ashford, TN23 7UN

                 …….by phone    Telephone  01233 661960

If You cannot settle your complaint with us, You may be entitled to refer it to the Financial Ombudsman Service.