Whose products do we offer?

Insurance

We offer products from a range of insurers for Term Assurance, Mortgage Payment Protection Insurance, Critical Illness Insurance, Accident, Sickness and Unemployment Insurance and Income Protection.

We only offer products from a limited number of insurers for Buildings and Contents Insurance. A list of these insurers is available upon request.

Mortgages

We offer products in the following ‘relevant market’:

Regulated mortgage contracts that can be used for a non-business purpose

We offer a comprehensive range of mortgages from across the market, but not deals that you can access by going direct to a lender.

Which service will we provide you with?

Insurance

We will advise and make a recommendation for you after we have assessed your needs for Term Assurance, Mortgage Payment Protection Insurance, Critical Illness Insurance, Income Protection, Buildings and Contents Insurance and cover in the event of Accident, sickness or Unemployment Insurance.

Mortgages

We offer an advised sales service.

This means we will provide advice and make a recommendation for you after we have assessed your specific needs and circumstances.

What will you have to pay for our services?

Insurance

No fee for advising on and arranging non –investment insurance contracts that we deal with

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

Mortgages

A £895 broker fee payable on application for your mortgage. We will also be paid by commission from the lender.

We will tell you how much the total fee will be before you apply for a mortgage, but you may ask for the information earlier.

You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to that mortgage, and any commission we will receive.

You also have the right to request an illustration for any mortgage we offer.

Refund of fees

If we charge you a fee, and your mortgage does not go ahead, you will receive:

A full refund if a lender does not assess your income under their contractor policy.

No refund under any other circumstances.

Who regulates us?

Contractor Mortgages Made Easy is a trading name of Mortgages Made Easy Ltd, 3 Turnberry House, 4400 Parkway, Whiteley, Fareham, Hampshire PO15 7FJ is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 414798.

Our permitted business is advising on and arranging non-investment insurance contracts and regulated mortgage contracts. You can check this on the FCA’s Register by visiting the FCA’s Website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

What to do if you have a complaint?

If you wish to register a complaint, please contact us…

...in writing Write to:      Mortgages Made Easy Limited, 3 Turnberry House, 4400 Parkway, Whiteley, Fareham, Hampshire, PO15 7FJ

...by phone Telephone:  01489 555080

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service

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 up to a maximum amount of £50,000.

Further information about compensation scheme arrangements is available from the FSCS.