MORTGAGES
INSURANCE
OTHER SERVICES
CONTACT US
Home | About Us | FAQ | Contact Us
Lo-call 0845 678 00 66
Terms of Business
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 products do we offer?
Insurance
We offer products from a range of insurers for life, critical illness, income protection and buildings & contents insurance. We only offer products from a limited number of insurers for payment protection insurance. Ask us for a list of the insurers we offer insurance from.
Mortgages
We offer mortgages from the whole market.
Which services will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs.
What will you have to pay us for our services?
Insurance
No fees are payable for our services. You will receive a quotation which will tell you about other fees relating to any particular insurance policy.
Mortgages
You can choose between a no fee option where we will be paid by commission from the lender or a fee option where you pay us an agreed fee and we will rebate any commission paid to us by the lender. You will receive a key facts illustration when considering a particular mortgage which will tell you about any fees relating to it.
Who regulates us?
Bretlands Financial, Shop 1, Christ Church Centre, High Street, Tunbridge Wells, Kent, TN1 1UT is authorised and regulated by the Financial Services Authority. Our FSA Register number is 302503. Our permitted business is to advise or arrange on mortgages and general insurance. 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 606 1234. The Mortgage Shop is a trading name of Bretlands Financial.
What to do if you have a complaint
If you wish to register a complaint, please contact us in writing to Bretlands Financial, Shop 1 Christ Church Centre, High Street, Tunbridge Wells, Kent, TN1 1UT. By phone 01892 517171. 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)?
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 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Mortgages
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. Further information about compensation scheme arrangements is available from the FSCS.
