Skip to content

Rightmortgageadvice.co.uk Initial Disclosure Document - online

  1. Home
  2. guides & faqs
  3. our service
  4. Initial Disclosure Document

Key Fact's - About our services

This document can be downloaded as a PDF here

  • Rightmortgageadvice.co.uk
  • PO Box 649
  • Macclesfield
  • Cheshire
  • 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?

Insurance

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

Mortgages

We offer mortgages from the whole market, but not deals only offered direct through a lender

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 £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

Insurance advising and arranging is covered for 90% of the claim with without any upper limit.

Mortgages

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.

From the blog...

  • Can a foreign national get a mortgage on a visa?

    A simple and (nearly) definitive guide to whether foreign nationals from outside the EU can get a mortgage. One of our main areas of business is foreign nationals on visa's, and it...

  • Is a 10 year fixed rate mortgage a good idea and should you get one?

    10 Year fixed rate mortgages have been reducing significantly in cost, and for the first time in the UK it's now possible to get a pretty competitive rate fixed for 10 years but the big question is; s...

  • If you have an interest only mortgage now could be the time to consider switching product before the window closes.

    In the last two weeks both Natwest and Coventry Building Society ceased offering interest only mortgages for residential property following on from Nationwide's decision to do the same some time ago. ...

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. YOU DO NOT HAVE TO PAY A FEE FOR OUR SERVICES AS WE RECEIVE COMMISSION FROM LENDERS. IF YOU PREFER YOU CAN PAY 1% FEE ON COMPLETION AND WE WILL PAY ANY COMMISSION WE RECEIVE TO YOU. SOME BUY TO LET AND COMMERCIAL LOANS ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
© RIGHTMORTGAGEADVICE.CO.UK 2009-2016
RIGHTMORTGAGEADVICE.CO.UK IS AN APPOINTED REPRESENTATIVE OF JULIAN HARRIS MORTGAGES LTD, AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. FSA NO 304155
THE FINANCIAL OMBUDSMAN SERVICE (FOS) IS AN AGENCY FOR ARBITRATING ON UNRESOLVED COMPLAINTS BETWEEN REGULATED FIRMS AND THEIR CLIENTS. FULL DETAILS OF THE FOS CAN BE FOUND ON ITS WEBSITE AT WWW.FINANCIAL-OMBUDSMAN.ORG.UK

Get advice
Request mortgage advice
close the form
Your details
Contact details
Enquiry details

Request impartial advice from one of our qualified mortgage brokers. By pressing submit you agree to the Terms & Conditions and Privacy Policy.