We are committed to treating customers fairly and ensuring that we treat our customers in the way that we would hope to be treated ourselves. We will be clear, supportive, honest and open in all that we do.

We are committed to ensuring that the Financial Conduct Authority principle of treating customers fairly is applied in all areas of our day to day business activities.

Our commitment to you

 

We will:

• Provide you with clear information about the products and service we offer, including fees and charges

Discuss your individual needs, preferences and circumstances before recommending any product

Only recommend a product that we consider suitable for you and that you can afford – and always the most suitable from the available options

Not recommend a product if we can’t find one we consider suitable

Encourage you to ask if there’s anything you don’t understand

Give you access to a formal complaints procedure should you become unhappy with our service

 

How you can help us

 

To help us give you the most appropriate advice, we will ask you to:

 

Tell us as much as possible about your income and outgoings, to enable us to properly assess how much you can afford

Let us know about changes that might affect your ability to repay a mortgage or be able to cover premiums for specific policies

Let us know if there is any aspect of our service or the products that we have discussed that you do not understand

 

Tell us if you think there are ways we can improve our service

Mortgages
life insurance
home insurance
equity release

We offer whole of market advice for all types of customers, whether you are a first time buyer, home mover or looking to purchase a buy to let property. Being independent we are able to offer impartial advice from the whole of the market to ensure you get the product that suits your financial needs.

Whether you are looking to protect your mortgage payments or your family, we provide independent advice for life insurance, critical illness cover and income protection from a wide range of providers.

Buildings Insurance is a requirement when you complete on a mortgage the cover is to provide security to the lender, the insurance covers the main structure of your home. It will cover you for subsidence, storm, flood, fire or smoke damage and cover the costs of rebuilding or repair.

Equity release is a way of releasing cash from your property, either through selling a percentage to the reversion company or taking a mortgage on it, while allowing you, the homeowner to continue living there as long as you wish.