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Key
Facts about our mortgage services |
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| 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? |
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We offer mortgages from the whole market. |
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We only offer mortgages from a limited
number of lenders. Ask us for a list of the lenders we offer mortgages from. |
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We only offer mortgages from a single
lender. |
| 3. Which service will we provide you
with? |
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We will advise and make a recommendation
for you after we have assessed your needs. |
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You will not receive advice or a recommendation
from us. We may ask some questions to narrow down
the selection of products that we will provide details
on. You will then need to make your own choice about
how to proceed. |
| 4. What will you have to pay us for
this service? |
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No fee. |
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A
fee of £295.00 on completion. |
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A
fee of £295.00 on 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 |
| If we charge you a fee, and your mortgage
does not go ahead, you will receive: |
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A full refund. |
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No refund. |
| 6.
Who regulates us? |
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UK-Life,
Unit 114 Tedco Business Centre, Jarrow, Tyne & Wear,
NE32 3DT is authorised and
regulated by the Financial Services Authority. Our
FSA Register number is 433748. 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.
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| 7. What to do if you have a complaint |
| If you wish to register a complaint,
please contact us: |
...in
writing
Write
to: UK-Life, Complaints Department, Unit 114 Tedco
Business Centre, Jarrow,
Tyne & Wear, NE32 3DT
...by
phone
Telephone:
0191 4283368 |
| 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 the 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.
The Uk Life registered office is located
at:
Uk Life
Unit 114 Tedco Business Centre
Rolling Mill Road
Jarrow
Tyne & Wear
NE32 3DT
Email
Us
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