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about our mortgage services
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Charthills Limited
Twitten Cottage, The Pavement, Tenterden, Kent, TN3 6DR
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1. The Financial Services
Authority (FSA)
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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.
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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.
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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.
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4. What will you have to pay us for this service
Mortgages & Insurances?
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No fee.
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You will receive 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?
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Charthills Limited, Twitten
Cottage, The Pavement, Kent, TN30 6DR, is authorised and
regulated by the Financial Services Authority. Our FSA Register
number is 453764.
Our permitted business is advising on and arranging
mortgages and non investment insurance business.
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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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: Charthills
Limited Twitten Cottage, The Pavement, Kent, TN30 6DR
...by phone Telephone: 01580 761184
If you cannot settle your 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)?
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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
compensation scheme arrangements is available from the FSCS.
Insurance advising and arranging is
covered 100% of the first £2000 and 90% of the remainder of the
claim, without upper limit.
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