NON-REGULATED MORTGAGE TERMS OF BUSINESS
It is important to note that Buy-to-Let Investment Mortgages are not covered by statutory regulation.
It is important that you seek independent legal and taxation advice on any property that you are purchasing and planning to let out.
Working with customers
Our aim, as professional advisers is to provide a quality customer focused service.
We have access to a wide range of products, including some you will recognise from the high street and others who concentrate on specialist lending needs. We will review the market place to identify the most suitable product for you and constantly review market conditions to enable appropriate advice to be given.
We are committed to providing the highest standard of service and customer care before, during, and after your mortgage completes.
Once 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 discussions. The mortgage offer issued by the lender is the legal contract between yourself and the lender. Please check this thoroughly prior to signing it; if you have any queries please raise these with us immediately.
How we charge
As with most financial services products, the mortgage lender generally pays us a procuration fee. We always select your mortgage on the basis of what is best for you and not according to the fees that the lender may pay us for introducing you to them.
In some circumstances we may charge a brokerage fee to cover additional costs and expenses which occur for the mortgage placement and administration. Notice will always be given of any charges before work is undertaken and written confirmation of the payment terms and amount payable will be provided.
How we use your data
We will collect information from you in order to provide our services. All information will be managed in accordance with the General Data Protection Regulation and full details of how we use your information can be found in our Privacy Notice.
We are Appointed Representatives of Mortgage Intelligence Ltd. We will therefore share information with Mortgage Intelligence Ltd, primarily to allow them to undertake their responsibility for assessing the suitability of advice provided. Full details of how Mortgage Intelligence Ltd use your information can be found on their web site at www.experiencemi.co.uk. We will also share information with lenders and providers.
Dealing with your queries
Our aim is to provide you with a first class professional service, however, should you feel the need to discuss any problems with someone other than your mortgage adviser, or wish to register a complaint please write to: Complaints Department, Mortgage Intelligence Ltd, Roddis House, 12 Old Christchurch Road, Bournemouth, Dorset, BH1 1LG or phone 01202 310002.
We remain committed to our customers and to providing a quality service at all times.