Mortgages Direct are a regulated mortgage broker. We are happy to accept clients living in the UK and abroad.

All advice is offered by telephone. Documents are posted or sent by email.

We do not do home visits.

We do not do cold calling

Please visit our specialist websites at the following locations:

Terms of Business

 
Please note that we can only provide advice where the mortgage loan is at least £75,000.

Mortgages Direct are regulated by the Financial Services Authority (FSA). Our registration number is 303319.

The FSA sets minimum standards of good lending and advisory practice to be followed by all lenders and mortgage intermediaries.

Mortgages Direct are committed to the principles of “treating customers fairly”. This initiative, introduced by the FSA, aims to improve the quality of information provided to clients at all stages of the mortgage application process.
We are free to deal with the whole of the mortgage market and will review the market place to identify the most suitable mortgage product for you.

For property in the UK, we do NOT charge you a fee for arranging your mortgage.

Some lenders will only accept applications through their branch network or may restrict access to certain products to direct applicants. We regret we cannot offer these products to our clients.

We will provide you with information relevant to your mortgage needs, covering such items as an explanation of the main repayment methods and the implications of taking out a mortgage.
We will complete a detailed mortgage / financial review questionnaire to enable appropriate advice to be given on your mortgage and other related insurance products. Once we have made our recommendations to you, we will confirm our advice in writing. You should keep this as it will be an important record of our discussions. Details of the loan will also be confirmed in your lender's formal offer.

All Applications

We can never guarantee that a mortgage application will be successful. You should not enter into any contractual arrangements or agreements until you have received your mortgage offer.

Our firm may receive fees from lenders with whom we place mortgages. We do not receive a fee if your mortgage application fails. Our firm may also receive a fee from insurance companies, if you choose to take out insurance through us.

Our aim is to provide you with a first class professional and confidential service - should a complaint arise, in the first instance you should contact us at the above address.

We provide illustrations using computer software provided by third party organisations. Occasionally, errors and omissions will occur. The actual terms and conditions of your mortgage will be shown on the lender's mortgage offer document.

Where a lender's fee (for example valuation fee) is requested with your application, please be aware that the fee may not be refundable should your application not proceed to completion.
Any mortgage rates or terms quoted will not be “locked in” until your application has been received by the lender. Lenders can change rates without any notice.

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 the disclosure is made at your request or with your consent in relation to arranging your mortgage.

Regulated Mortgages

A mortgage is likely to be regulated if it is secured against your home and it was taken out after 31st October 2004. If your mortgage is regulated we will provide you with the following documents:

An Initial Disclosure Document (Key facts about us). This document provides you with key information about us.
A Key Facts Illustration (KFI). This document presents you with key information about a mortgage product. The information is presented in a standard format to enable you to compare schemes.
Letter confirming why a particular product was recommended

Please be aware that ‘buy to let’ mortgages and other ‘business’ mortgages are not regulated by the FSA. You will not have the same degree of protection for these products.

As part of FSA's duties we may be asked to provide them with access to our customer records in order that they may carry out an audit of our activities. The FSA's ability to inspect customer records promotes best practice in our industry and ensures that you continue to receive the best possible service from us. If we disclose your personal information to the FSA then they will only use it for the purpose of compliance and not for any other reason.
 
Consumer Credit license no. 476771
Financial Services Authority registration no. 303319

Mortgages Direct uk
2 The Crescent, Goodworth Clatford, Hampshire SP11 7RQ
tel. 08456 44 88 23 fax 01264 361564