Key Fact's - About our services
This document can be downloaded as a PDF here
- PO Box 649
- SK10 9LZ
- Telephone number:0345 4594490
1. The Financial Conduct 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?
We offer products from a range of insurers for Non Investment Life Assurance, Critical Illness Cover & Income Protection
We offer mortgages from the whole market, but not deals only offered direct through a lender
3. Which Service Will We Provide You With?
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.
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?
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.
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 £299 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 £299 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 £299 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 Conduct Authority. Julian Harris Mortgages Limited FSA Register number is 304155.
Julian Harris Mortgages Limited's permitted business is: Advising on and arranging Mortgages and Non-investment insurance contracts.
You can check this on the FCA’s Register by visiting the FCA’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.
7. 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.
Insurance advising and arranging is covered for 90% of the claim with without any upper limit.
Advising and arranging home purchase finance is covered for 100% of the first £50,000.
Further information about compensation scheme arrangements is available from the FSCS.