Mortgages & Insurance – T&C’s

Our Status

Bradstyle Ltd T/a A J Hird Insurance Consultants is authorised and regulated by the Financial Conduct Authority, firm reference number 402614. You can check this on the Financial Services Register by visiting www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768. Our permitted business includes advising on and arranging mortgages, credit broking, consumer buy-to-let mortgages and insurance contracts.

Mortgage products

We offer first charge mortgages from an unlimited range of providers that we have access to excluding direct-only deals.

Alternative lending

We do not consider or advise upon the following: existing loans, unsecured lending or commercial loans.

Insurance

We advise on insurance products including life assurance, income protection and critical illness cover.

Our services

In all cases we will advise and make a personal recommendation to you based on our assessment of your personal needs, circumstances and affordability unless otherwise agreed.

Our charges – mortgages

We will be paid commission from the lender when your mortgage completes. The amount will be confirmed by the lender in their mortgage illustration.

Where no commission is payable or available we reserve the right to charge a fee which will be confirmed to you at the point of application.

Our charges – insurance

In respect of insurance protection, we are remunerated by commission, paid by the insurance provider.

Offer

Any mortgage offer secured by a lending source is subject to the individual terms and conditions of the lender.

Law

This agreement is subject to English Law and the exclusive jurisdiction of the courts of England and Wales.

Language

All matters pertaining to this agreement and our services will be communicated in English.

Anti-money laundering

We are required by law to verify the identity of all our clients. No application will be made on your behalf until such verification has been obtained.

Complaints

It is our intention to provide you with the highest possible level of client service at all times. Should we not meet your expectations we have a complaints procedure, which is explained below. Should you wish to complain please contact us in writing at Bradstyle Ltd T/a A J Hird Insurance Consultants, 26A Newmarket Street, Skipton, North Yorkshire BD23 2JB, by telephone: 01756 700718 or by email: chris@ajhirdinsurance.co.uk.

Should you not be satisfied with our final response you may be entitled to refer the matter to the Financial Ombudsman Service who is our alternative dispute resolution provider, within six months of the date of our final letter:

  • The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
  • Tel: 0800 023 4567 or +44 20 7964 1000. Email: complaint.info@financial-ombudsman.org.uk
  • Website: www.financial-ombudsman.org.uk for further information.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. 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 up to £50,000.
  • Insurance advising and arranging is covered for 90% of the claim, without any upper limit.
  • For insurance covering death or incapacity of the policyholder due to injury, sickness, or infirmity cover is up to 100% of the claim without any upper limit.

Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme (http://www.fscs.org.uk).

Warnings

  • Think carefully before securing other debts against your home.
  • Your home may be repossessed if you do not keep up with the repayments on your mortgage.
  • Higher Lending Charges apply to 100% Mortgage Deals.

Unregulated services

Some buy-to-let mortgages and all commercial mortgages are not regulated by the Financial Conduct Authority or covered by the Financial Services Compensation Scheme.

Your duty to disclose information

It is essential that the information you provide to us at all stages of the advice process is as accurate as practicably possible to ensure you receive the most appropriate advice and recommendations. If you are a consumer and enter into a contract of insurance wholly for non-business purposes you are under a legal duty to take reasonable care not to misrepresent information to insurers. If you misrepresent information deliberately, recklessly or carelessly respond to insurer questions then a claim under the policy may not be paid.

Conflicts of interest

If we, one of our clients or providers become aware of any potential conflict of interest with regard to business we are transacting for you we will write to you and obtain your consent before we carry out your instructions and we will inform you of how we intend to ensure that you are treated fairly.

Confidentiality and data protection

All information about you will be treated as private and confidential and kept secure. We will only use and disclose the information we have about you in the normal course of arranging and administering your mortgage or insurance. We may also use the information we hold about you to provide you with information on other products and services we can offer that we feel may be appropriate to you. We may pass your details to carefully selected third parties to provide you with information about their services.

If you do not wish to receive marketing information from us, or for us to disclose information about you to other parties for marketing purposes, please write to us at the above address or send an email to chris@ajhirdinsurance.co.uk. Under the Data Protection Act 1998 you have rights of access to any personal information we hold about you in our records. If you have any queries or requests in this regard please contact us. We will charge a fee of £10 for the provision of a copy of the information we hold about you. At your request we may provide information to your personal representative. We will however only do this with authorisation from you.


Cancellation and termination

Mortgages

You will remain liable for fees due for the work we have carried out; there is no further liability on request for termination of mortgage services.

Insurance

Your policy document will detail your rights to cancel your insurance once you have taken it out. Depending on the type of policy you have purchased, you may be entitled to cancel within 14 days or 30 days for certain products of either conclusion of the contract or receiving your policy documentation, whichever occurs later and receive a full refund provided no claim has been made.

All business

If we feel that we are unable to continue acting for you we will give you seven days notice in writing. No fees or commissions earned in respect of business already conducted will be refundable.

Client money

We are not authorised to hold client money and will only accept payments in settlement of our invoiced fees or disbursements.

Credit checks

Some lenders will require a credit check before they will issue a pre-approval. Please be aware that this may occur and may leave a footprint on you credit record. If you specifically do not wish for this to happen without your express permission then please tell us before we proceed with your enquiry.

This agreement

This is our standard Terms of Business Agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully. If you do not understand any point please ask for further information.

On engaging our services the terms and conditions contained within this document will apply. Please ensure you have read and understood these and call or email us immediately if you have any queries.

Email: chris@ajhirdinsurance.co.uk

Telephone Number: 01756 700718

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