about our mortgage services

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 mortgages do we offer?

We offer mortgages from the whole market.

3. What service will we provide?

We will advise and make a recommendation for you after we have assessed your needs.

4. What will you have to pay us for this service?

We charge an administration fee of £100, payable upfront.
We charge a further fee of 2% of the mortgage loan amount. For example on a mortgage of £100,000 this would be £2000. 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.

5. Refund of fees

No refund of the administration fee if your application does not proceed. Any additional fees charged are only payable upon completion.

6. Who regulates us?

Mortgage Solutions is authorised and regulated by the Financial Services Authority. Our FSA Register number is 457688.
Our 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:
by email: complaints@solutions4mortgages.co.uk
by phone: 08000 43 43 52
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 circumstances of the claim.
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 the compensation scheme arrangements is available from the FSCS.

TERMS AND CONDITIONS FOR USE OF THE SOLUTIONS4MORTGAGES WEBSITE

In these Terms and Conditions “we, our, us, solutions4mortgages, Mortgage Solutions ” refers to “Mortgage Solutions Barnsley Ltd”.

ACCEPTANCE OF TERMS

By accessing the content of www.solutions4mortgages.co.uk (“the Website”) you agree to be bound by the terms and conditions set out herein and you accept our privacy policy available at the bottom of this document. If you object to any of the terms and conditions set out in this agreement you should not use any of the products or services on the Website and leave immediately.

You agree that you shall not use the Website for illegal purposes, and will respect all applicable laws and regulations. You agree not to use the website in a way that may impair the performance, corrupt the content or otherwise reduce the overall functionality of the Website. You also agree not to compromise the security of the Website or attempt to gain access to secured areas or sensitive information.

You agree to be fully responsible for any claim, expense, liability, losses, costs including legal fees incurred by us arising from any infringement of the terms and conditions set out in this agreement.

MODIFICATION

Mortgage Solutions Barnsley Ltd reserve the right to change any part of this agreement without notice and your use of the Website will be deemed as acceptance of this agreement. We advise users to regularly check the Terms and Conditions of this agreement.

Mortgage Solutions Barnsley Ltd have complete discretion to modify or remove any part of this site without warning or liability arising from such action.

LIMITATION OF LIABILITY

Mortgage Solutions Barnsley Ltd will under no circumstance be liable for indirect, special, or consequential damages including any loss of business, revenue, profits, or data in relation to your use of the Website.

Nothing within this Agreement will operate to exclude any liability for death or personal injury arising as result of the negligence of Mortgage Solutions Barnsley Ltd, its employees or agents.

COPYRIGHT

All intellectual property of Mortgage Solutions Barnsley Ltd such as trademarks, trade names, patents, registered designs and any other automatic intellectual property rights derived from the aesthetics or functionality of the Website remain the property of Mortgage Solutions Barnsley Ltd.

By using the Website you agree to respect the intellectual property rights of Mortgage Solutions Barnsley Ltd and will refrain from copying, downloading, transmitting, reproducing, printing, or exploiting for commercial purpose any material contained within the Website.

DISCLAIMERS

The information is provided on the understanding that the website is not engaged in rendering advice and should not be wholly relied upon when making any related decision.

The information contained with the Website is provided on an “as is” basis with no warranties expressed or otherwise implied relating to the accuracy, fitness for purpose, compatibility or security of any components of the Website.

We do not guarantee uninterrupted availability of the www.solutions4mortgages.co.uk Website and cannot provide any representation that using the Website will be error free.

THIRD PARTIES

The Website may contain hyperlinks to websites operated by other parties. We do not control such websites and we take no responsibility for, and will not incur any liability in respect of, their content. Our inclusion of hyperlinks to such websites does not imply any endorsement of views, statements or information contained in such websites.

SEVERANCE

If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall remain in force.

GOVERNING LAW AND JURISDICTION

This Agreement will be governed by the laws of England and any user of the Website hereby agrees to be bound exclusively by the jurisdiction of English courts without reference to rules governing choice of laws.

MORTGAGE SOLUTIONS BARNSLEY LTD PRIVACY POLICY

Who we are

In this privacy policy references to “we”, “us” and “our” are to MORTGAGE SOLUTIONS BARNSLEY LTD. References to “our Website” or “the Website” are to www.solutions4mortgages.co.uk.

What information we collect and how

The information we collect via the Website may include.

1. Any personal details you knowingly provide us with through forms and our email, such as name, address, telephone number etc.

2. In order to effectively process credit or debit card transactions it may be necessary for the bank or card processing agency to verify your personal details for authorisation outside the European Economic Area (EEA). Such information will not be transferred out of the EEA for any other purpose.

3. Your preferences and use of email updates, recorded by emails we send you (if you select to receive email updates on products and offers).

4. Your IP Address, this is a string of numbers unique to your computer that is recorded by our web server when you request any page or component on the Website. This information is used to monitor your usage of the Website.

5. Data recorded by the Website which allows us to recognise you and your preferred settings, this saves you from re-entering information on return visits to the site. Such data is recorded locally on you computer through the use of cookies. Most browsers can be programmed to reject, or warn you before downloading cookies, information regarding this may be found in your browsers ‘help’ facility.

What we do with your information

Any personal information we collect from this website will be used in accordance with the Data Protection Act 1998 and other applicable laws. The details we collect will be used:

1. To process your enquiry, to provide after sales service (we may pass your details to another organisation to supply/deliver products or services you have purchased and/or to provide after-sales service);

2. In certain cases we may use your email address to send you information on our other products and services. In such a case you will be offered the option to opt in/out before completing your purchase.

We may need to pass the information we collect to other companies for administrative purposes. We may use third parties to carry out certain activities, such as processing and sorting data, monitoring how customers use the Website and issuing our e-mails for us. Third parties will not be allowed to use your personal information for their own purposes.

Your Rights

You have the right to request a copy of any information that we currently hold about you. In order to receive such information please send your contact details including address and payment of £10 to cover administration expenses to the following email address:

privacy@solutions4mortgages.co.uk

Other Websites

This privacy policy only covers this website. Any other websites which may be linked to by our website are subject to their own policy, which may differ from ours.