Mortgages Direct

We can assist with your enquiry if the mortgage loan is at least £75,000

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 followed by all lenders and mortgage intermediaries.

We are free to deal with any mortgage lender and will review the market place to identify the most suitable mortgage product for you.

There are two levels of service available. These are:

a) Full advice and recommendation;

b) Information on different types of mortgage products available to allow you to make a choice;

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.

We do not charge you a fee for arranging your mortgage.

We may receive fees from lenders with whom we place mortgages. If we receive a fee then we will confirm the exact amount with you. We do not receive a fee if your mortgage application fails.

We may also receive a fee from insurance companies, if you take out insurance through ourselves.

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 me at the above address.

Should the complaint not be resolved, you may be entitled to refer it to The Financial Ombudsman Service

We provide illustrations from computer software provided by third party organisations. Occasionally, errors and omissions will occur. We cannot be held liable for errors and omissions on the illustrations. The actual terms and conditions of your mortgage will be shown on the lender's mortgage offer document.

We are unable to show minor costs on the illustrations, for example, lenders will typically charge a telegraphic transfer fee, usually £25.

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.

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.

We may be asked to provide the Financial Services Authority (FSA) 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.