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The
Mortgage Explorer Independent Mortgage Specialist UK Mortgage Broker
and Insurance Products
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The
Mortgage Explorer Independent Mortgage Specialist UK Mortgage Broker
and Insurance Products
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CALL
Freephone 0800 0743895 Today For Free Advice
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| About our mortgage services | |||
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| The Financial Services Authority (FSA) | |||
| The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you. | |||
| Whose mortgage do we offer? | |||
| We (can) only offer mortgages from a limited number of lenders. | |||
| We can only offer a limited range of mortgages from a single lender. | |||
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We offer mortgages from the whole market | ||
| Which service will we provide you with? | |||
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We will advise and make recommendations for you after we have assessed your needs. | ||
| You will not receive advice or recommendations from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. | |||
| What will you have to pay for this service? | |||
| A fee is payable at the outset to cover administration costs and payable when you apply for a lifetime mortgage or home reversion scheme. We may also be paid commission from the lender company. | |||
| No fee (we will be paid commission from the lender/company). | |||
| You will receive a keyfacts 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 lender rejects your application | |||
| A refund of £......... if the purchase falls through | |||
| No refund if you decide not to take out the mortgage | |||
| Who regulates us? | |||
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The Mortgage Explorer is a trading name of The Financial Explorer (Southern) Ltd. The Financial Explorer (Southern) Ltd is authorised and regulated by the Financial Services Authority. The Financial Explorer's FSA register number is 400597. The Financial Explorer's permitted business is advising on regulated mortgage contracts. Arranging (bringing about) regulated mortgage contracts and making arrangements with a view to regulated mortgage contracts. You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov/uk/register/ or by contacting the FSA on 0845 6061234. |
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| What do to if you have a complaint? | |||
| If you wish to register a complaint, please contact us: | |||
| ...in writing | Write to: | ||
| Louis
d'Espagnac Chief Executive |
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| The
Mortgage Explorer The Financial Explorer (Southern) Ltd Charlotte Court 14 Old Milton Road New Milton Hampshire BH25 6DT |
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| ...by phone | Telephone: 01425 627511 | ||
| If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. | |||
| Are we covered by the Financial Services Compensation Scheme (FSCS)? | |||
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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. Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. Home reversion schemes are not covered by the FSCS. For further information about the compensation scheme arrangements is available from FSCS. |
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| Message from the Financial Services Authority | |||
| Think carefully about the information before deciding whether you want to go ahead. If you are at all unsure about which lifetime mortgage or home reversion scheme is right for you, you should ask your adviser to make recommendations. Please remember that home reversion schemes are not regulated by the FSA. | |||
Your home may be repossessed if you do not keep up repayments on a mortgage. The actual rate available will depend on your circumstances. Ask for a personalised illustration. Think carefully before securing other debts against your home. Changes in the exchange rate may increase the sterling equivalent of your debt.
The
Mortgage Explorer is a trading name of The Financial Explorer (Southern)
Ltd.
The Financial Explorer (Southern) Ltd is authorised and regulated by the
Financial Services Authority. The Financial Explorer's FSA register number
is 400597.
Registered in England & Wales. Company Registration No. 3744756. Registered
Office: Sixth Floor, Dean Park House, Dean Park Crescent, Bournemouth,
Dorset BH1 1HP
Email: info@themortgageexplorer.co.uk
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