e-mortgage-uk
INITIAL DISCLOSURE DOCUMENT AND TERMS OF BUSINESS
Key facts about our mortgage services & Confirmation of accepting terms.
Tricon Limited and e-mortgage-uk are regulated and authorised by the Financial Services Authority to arrange mortgages.
By reading this documents and continuing to complete our enquiry form you accept the terms fully. A printed version of these terms of business is available from our web site system or by telephone on 01235 521557. A printed terms of business document will be posted to you if you are unable to print one yourself from our web site system. A printed version of this document will be sent to you with our application package for signature when you apply for a mortgage. Enquiries to e-mortgage-uk may only be made by completing the on-line enquiry form.
What we provide.
We provide information on mortgages
from one lender, based on the answers you give us, to enable you to
make an informed choice. We do not provide mortgage advice, we do not recommend
that you take out a particular mortgage. The service we
provide is on a non-advised basis. We carry out the entire process of arranging
your mortgage.
Whose mortgages do we offer?
The mortgages we arrange are from
two specialist lenders.
What will you have to pay us for this service?
We will charge you a fee
of £695 for arranging your mortgage and processing the application to a mortgage
offer. This fee is payable on receipt of the mortgage offer. The broker fee is
payable by credit card unless you request in advance to pay by an alternative
method. We will charge you a fee of £25 if, for any reason, you cancel your
mortgage application.
We will receive a commission from a lender we place your mortgage with. This will
be clearly shown in the keyfacts illustration(s).
Up-front fees
We do not ask for any fee up-front. A valuation fee will be required during the application process. Applications cannot be submitted to any lender unless we have collected the valuation fee.
Confidentiality
We will treat all your
personal information as private and confidential (even when you are no longer a
customer) except where we are permitted by Law or where disclosure is made at
your request or with your consent in relation to arranging your mortgage. You
have the right of access under the Data protection Act 1998 to your personal
records held on our files.
Please note that to obtain an agreement in principle from a lender will require
a full credit search. This search may also reveal persons linked to your address
and a search may leave a footprint on your credit file and possibly any person
or persons linked to you or your address. For us to assess your enquiry if you
inform us you have an adverse credit history we will search the register of
county court judgments before we match your enquiry to one or more products. By
completing the enquiry form you automatically agree to this.
By submitting an enquiry to Tricon Limited you accept all the above conditions.
We do not pass your details to any other organization or business outside of the mortgage enquiry or application process for any purpose, without your prior agreement.
What to do if you have a complaint
We aim to provide you with a first class professional and confidential service. We have internal procedures for handling complaints fairly and promptly and should a complaint arise you should contact our Compliance Officer at Tricon Ltd. PO Box 8 Abingdon, Oxon. OX14 4GT or telephone 01235 521557.Thereafter should the complaint not be resolved to your satisfaction we will assist you in resolving it by referring it to the Financial Ombudsman Service scheme of which we are members.
Are we covered by the Financial Services Compensation Scheme (FSCS)?
Yes we are. In the event that you may be entitled to compensation for loss and the firm cannot meets its obligations the FSCS will provide a certain level of compensation. You may find further details about the FSCS at www.fscs.org.uk
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Tricon Ltd
e-mortgage-uk
PO Box 8
Abingdon
Oxon. OX14 4GT
Telephone 01235 521557. Fax. 01235 206121
Click Here for a
printer friendly version