Home & County Mortgages

1) 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.

2) Whose products do we offer?

Insurance:

We offer products from a range of insurers for home insurance (both buildings and contents).

We only offer insurance products from a limited number of insurers for home insurance (both buildings and contents), Mortgage Protection Insurance (mortgage related life assurance and mortgage related critical illness insurance). Ask us for a list of the companies and products we offer.

We only offer products from Commitments Protection Ltd for Mortgage Payment Protection (Accident, Sickness and/or Redundancy Cover) and Homecallplus for Domestic Emergency Insurance.

Mortgages:

We offer mortgages from the whole market.

We can only offer mortgages from a limited number of lenders.

Ask us for a list of the lenders we offer mortgages from.

We offer mortgages from a single lender.

3) Which service will we provide you with?

Insurance:

We will advise and make a recommendation for you after we have assessed your needs for home insurance (both buildings and contents), mortgage related life insurance, mortgage related critical illness insurance, mortgage payment protection (accident sickness and redundancy cover) and domestic emergency insurance.

You will not receive advice or a recommendation from us for non-investment insurance contracts. 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.

Mortgages:

We will advise 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. You will then need to make your own choice about how to proceed.

4) What will you have to pay us for our services?

Insurance:

A fee.

No fee for advising on and arranging non investment insurance contracts.

You will receive a quotation which will tell you about any further fees relating to any particular insurance policy.

Mortgages:

No fee

A fee of £40 will be payable at the outset and a fee of £1995 will be payable upon completion. We will also be paid commission from the lender.

You will receive a key facts 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

A refund of £

No refund.

5) Who regulates us?

Home & County Mortgages Ltd, 3 Royal Court, Gadbrook Park, Northwich, Cheshire, CW9 7UT is authorised and regulated by the Financial Services Authority. Our FSA Register number is 303206

Our permitted business is:

Advising on and arranging Regulated Mortgages
Advising on and arranging non-investment related Insurance 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 606 1234

6) What to do if you have a complaint

If you wish to register a complaint, please contact us:

Our permitted business is:

…in writing

Write to The Managing Director, Home & County Mortgages Limited, 3 Royal Court, Gadbrook Park, Northwich, Cheshire, CW9 7UT.

…by phone

Telephone 08707 577770

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7) 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.