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WARWICK TIDY MORTGAGE SERVICESIndependent Mortgage Advisers
34 Barons Road, Dousland, Yelverton, Devon, PL20 6NG ( Telephone (01822) 853203 Mobile 07941 204408 Fax No: (01822) 854218 e-mail: warwick@tidymortgages.co.uk web: www.tidymortgages.co.uk Date 07 February 2012 TERMS OF BUSINESS FOR BUY TO LET AND COMMERCIAL MORTGAGES ONLY
Warwick Tidy Mortgage Services is run by Warwick Tidy who has over 30 years experience of arranging mortgages, with 11 of those as Branch Manager of a high street Building Society. He is also qualified by examination (MAQ).
Our firm is authorised and registered by the Financial Services Authority and our Register number is 304992, and we also hold appropriate Professional Indemnity Cover. PLEASE NOTE HOWEVER THAT COMMERCIAL AND SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL SERVICES AUTHORITY
We are free to deal with any mortgage lender and will review the market place as a whole to identify the most suitable mortgage product for you. We act on your behalf and not as appointed agents for any lender which means that it is us that is responsible for the advice and information we may provide you.
We offer a level of service in order that we can make an informed decision with you about the choice of your new mortgage. We will provide an explanation of the main relevant repayment methods available (for example capital and interest or interest only) but if you select a repayment option which is a regulated investment product, we can put you in touch with an Independent Financial Adviser.
During our initial discussions we will be obtaining detailed mortgage information from you to enable appropriate advice to be given on your mortgage. Once we have made our recommendations to you, we will give a written illustration. You should keep this as it will be an important record of our recommendation. Details of the loan will also be confirmed in your lender’s formal offer, if made.
Our firm may receive fees from lenders with whom we place mortgages. Where this occurs we will tell you the amount. We do not normally charge fees for our services unless previously agreed.
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 our Compliance Officer at the above address.
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.
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