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Mortgages DirectWho are weWe are an independent mortgage broker. Unlike a bank or building society we are not tied to any one lender or insurance company. This enables us to find the best rates from the market as a whole. We offer objective, independent advice. We are registered with the Financial Services Authority. Our registration number is 303319. The Financial Services Authority sets minimum standards of good lending and advisory practice, which are to be followed by all lenders and mortgage intermediaries. Please see our terms of business letter How do we operateUtilizing regularly updated software, we are able to source a comprehensive data bank of mortgage products. By operating over the internet we are able to reduce our operating costs, such that we can operate at no fee to yourself. We are paid an introducer fee by the lender, this does not affect your mortgage offer at all. We are unable to provide this service if your loan is less than £75,000 How will I benefitA mortgage is likely to be the largest single investment you are likely to make. For a mortgage loan of £100,000 over 25 years you are likely to pay back well over £200,000 to the mortgage lender. Taking advice now is likely to save you thousands of pounds over the term of a mortgage. By entering information about your situation onto the computer including any preferences you might have, we can tailor a mortgage to suit your requirements. Our mortgage sourcing software analyses the costs incurred and sorts available mortgages according to least overall cost Some lenders prefer to deal exclusively through authorized intermediaries, we are able to offer these mortgages to our clients. Additionally, we are able to offer 'exclusive' schemes which have been negotiated by large mortgage clearing houses. Unlike most banks and building societies, we are independent, which means we can source the best value insurances to accompany your mortgage. If you don't have a solicitor, we can organize this for you. How am I protectedYou do not pay us any money at any time. Any cheques you send will be payable to the lender concerned. The mortgage contract will be between yourself and the lender In the unlikely event that you have a complaint, then we will try to resolve this complaint internally. If we are unable to reach a solution, then you may be entitled to refer it to the Financial Ombudsman Service Our company has full professional indemnity insurance. About usregistered name: Mortgages Direct Please see our terms of business letter Office address: 2 The Crescent, Goodworth Clatford, Hampshire SP11 7RQ telephone number 01264 354337 (UK) +44 1264 354337 (international) fax number 01264 361564 (UK) +44 1264 361564 (international) Consumer Credit license no. 476771 Financial Services Authority registration no: 303319 Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. |
