about our services and costs
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London & Country Mortgages Ltd
Beazer House
Lower Bristol Road
Bath
BA2 3BA
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1. The Financial Conduct Authority (FCA)
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The FCA is the independent watchdog that regulates financial services.
This document has been designed by the FCA to be given to consumers considering buying certain financial products.
You must read this important document. It explains the services you are being offered and how you will pay for it.
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| 2. Whose products do we offer? |
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| Term Assurance and Income Protection Insurance |
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We offer products from a range of insurers for term assurance and income protection policies. |
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We only offer products from a limited number of insurers for term assurance and income protection policies.
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We only offer products from a single insurer for term assurance and income protection policies. |
| Mortgage Payment Protection Insurance |
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We offer products from a range of insurers for Mortgage Payment Protection policies. |
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We only offer products from a limited number of insurers for Mortgage Payment Protection policies.
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We only offer products from Pinnacle Insurance plc. for Mortgage Payment Protection policies. |
| Buyer Protection Insurance |
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We offer products from a range of insurers for Buyer Protection Insurance policies. |
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We only offer products from a limited number of insurers for Buyer Protection Insurance policies.
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We only offer a product from Fortis Insurance Limited for Buyer Protection Insurance. |
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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. |
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We only offer mortgages from a single lender. |
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| 3. Which Service will we provide you with? |
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We will advise and make recommendation for you after we have assessed your needs for term assurance, income protection policies and Mortgage Payment Protection Insurance.
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You will not receive advice or a recommendation from us for term assurance and income protection policies. We may ask some questions to narrow down the selection of products that we provide details on. You will then need to make your own choice about how to proceed. |
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We will advise and make recommendation for you after we have assessed your needs for Buyers Protection Insurance.
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You will not receive advice or a recommendation from us for Buyers Protection 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. |
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We will advise and make a recommendation for you on mortgages 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 mortgages that we will provide details on. You will then need to make your own choice about how to proceed. |
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| 4. What will you have to pay us for our services? |
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A fee. |
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No fee as we will be paid a commission by the insurer. |
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You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. |
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A fee of £nil payable at the outset and £nil payable when you apply for a mortgage. |
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No fee. We will be paid by comission from the lender. |
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You will receive a a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it. |
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| 5. Who regulates us? |
| London & Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. Our permitted business includes advising on and arranging mortgages and non-investment insurance contracts. You can check this on the FCA's Register by visiting the FCA's website: www.fsa.gov.uk/register/ or by contacting the FCA on 0845 606 1234. |
| 6. What to do if you have a complaint |
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If you wish to register a complaint, please contact us:
...in writing: write to London & Country Mortgages Ltd, Complaints Department, Beazer House,
Lower Bristol Road, Bath BA2 3BA
...by phone: telephone 01225 408000
If you cannot settle a complaint with us you may be entitled to refer it to the Financial Ombudsman Service.
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| 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 for 100% of the first £50,000.
Further information about the compensation scheme arrangements is available from the FSCS. |
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