First Union Mortgages Ltd.
8 Brownfields Court, Welwyn Garden City, Hertfordshire AL7 1AJ
1. The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.
2. Whose products do we offer?
Insurance
- We offer products from a range of insurers for life and critical Illness, family income benefit and income protection.
- We only offer products from a limited number of insurers for buildings and contents insurance.
Ask us for a list of the insurers that we offer buildings and contents insurance from. - We only offer accident, sickness and unemployment insurance from a single insurer.
Mortgages
- We offer a comprehensive range of mortgages from the whole market but not those only offered by going direct to the lender.
3. Which service will we provide you with?
Insurance
- You will not receive advice or a recommendation from us on life and critical illness, family income protection, buildings and contents, and accident sickness and unemployment insurance. 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.
Mortgages
- We will advise and make a recommendation for you after we have assessed your needs.
4. Which service will we provide you with?
Insurance
- No fee for arranging insurance, we are remunerated by commission from the insurer.
You will receive a quotation which will tell you about any all fees/commissions relating to any particular insurance policy
Mortgages
- A fee of no more than £2,095 is normally charged, the actual amount is determined by a number of factors including the complexity of the case and is payable on completion. If the mortgage cannot be completed then no fee will be charged. On successful completion we will also be paid commission by 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. Who regulates us?
First Union Mortgages Ltd, 8 Brownfields Court, Welwyn Garden City, Hertfordshire, AL7 1AJ is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is : 300591
Our permitted business is advising and arranging regulated mortgages contracts and arranging non investment insurance contracts.
You can check this on the Financial Services Register by visiting the FCA's website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 (Freephone)
6. What to do if you have a complaint
If you wish to register a complaint, please contact us:
Write to: First Union Mortgages Ltd,
Complaints Department,
8 Brownfields Court,
Welwyn Garden City,
Hertfordshire,
AL7 1AJ
Or call us:
Telephone: 01707 887799
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
7. 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.
Insurance
Insurance advising and arranging is covered for 90% of the claim, without any upper limit.
Mortgages
Mortgage advising and arranging is covered up to a maximum limit of £50,000
Further information about compensation scheme arrangements is available from the FSCS.
Apply for Loans provided by First Union today The legal bit Think carefully before securing other debts against your home.
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