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| Keyfacts About Mortgage Services | |
1 - About this document
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.
2 - Whose mortgages do we offer?
| We offer mortgages from the whole market | |
| We only offer mortgages from a limited number of lenders [ask us for a list of the lenders we offer mortgages from | |
| We only offer mortgages from a single lender |
3 - Which service will we provide you with?
| We will advise you and make a recommendation for you after we have assessed your needs | |
| You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. |
4 - What will you have to pay us for this service?
| A fee of £ payable at outset and/or £ payable when you apply for a mortgage. (We will also be paid commission from the lender/company) | |
| A fee of £ payable at outset and/or £ payable when you apply for a mortgage. (We will also be paid commission from the lender/company) | |
| A fee of £295 will be payable within 14 days of the completion of your mortgage. (We will also be paid commission from the lender/company) | |
| No fee will (We will be paid commission from the lender/company) |
You will receive a Key Facts Illustration when considering a particular mortgage, which will tell you about any fees relating to it.
5 - Refund of fees
If we charge you a fee and your mortgage does not go ahead you will receive
| A full refund if other business, transacted with us, results in our receiving equivalent or greater commissions. | |
| A refund of £0 if other business, transacted with us, results in our receiving equivalent or greater commissions. | |
| No refund. |
6 - Who regulates us?
Shire Financial Management Independent Mortgage Advisers LLP is authorised and regulated by the Financial Services Authority. Shire Financial Management Independent Mortgage Advisers LLP's FSA registration number is 301835. Shire Financial Management Independent Mortgage Advisers LLP's permitted business is advising on and arranging mortgages.
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
7 - What to do if you have a complaint
If you wish to register a complaint, please contact us:
... in writing Write to PO Box 17, Leominster, Herefordshire, HR6 0YP
... by phone 0845 459 8801
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
8 - 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. Mortgage advising and arranging is covered for 100% of the first £30000, and 90% of the next £20000, so the maximum compensation is £48000. Further information about the compensation scheme arrangements is available from the FSCS.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Shire Financial Management (Independent Mortgage Advisers) LLP is authorised and regulated by the Financial Services Authority number 301835. You can check this on the FSA's Register by clicking here and inserting our FSA number 301835. Buy to let mortgages and secured loans are not currently regulated by the FSA. For full details on any schemes or products shown or referred to, please call one of our advisors on 0845 459 8801. Actual rates available will depend upon your circumstances. Please ask for a personalised illustration