Regulatory Statement

JUST  Mortgage Brokers LTD                            

22-24 High Street,
Needham Market,
Suffolk,
IP6 8AP

Telephone: 01449 724170
Email: [email protected]

You should use the information provided within this document to decide if our services are right for you

Whose products do we offer?

MORTGAGES

We offer regulated mortgage contracts that are used for a non-business purpose.  We do not offer mortgages that are used for business purposes.

We are not limited in the range of mortgages we will consider for you.  Please be aware that we are a credit broker and not a lender.

INSURANCE

We only offer products from a limited number of insurers for Life Assurance, Buildings and Contents Insurance and Accident, sickness and unemployment insurance.

Which service(s) we will provide you with?

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.

INSURANCE

We will advise and make a recommendation for you after we have assessed your needs for all non-investment insurance products

What will you have to pay us for this service?

MORTGAGES AND INSURANCES

Our fees tariff is shown below:

Type of Mortgage/Insurance

Fee Charged

New applications

£795 (of which £195 is payable up front upon Application. £600 on receipt of Mortgage Offer)

Adverse/bad credit applications

£1,395 (of which £195 is payable up front upon Application. £1,200 on receipt of Mortgage Offer) Up to 3% of the loan amount maximum

Existing customer remortgage – including a material change (chargeable on complexity)

£695

Product transfer

£395

Further advance

£395

Complex applications e.g. self-build, ex pat, auctions etc.

Min Fee £1,395 (of which £195 is payable up front upon application. £1,200 on receipt of Mortgage Offer) up to 3% of the loan amount maximum

Secured Loans

Min fee £995 up to a maximum of 3% depending upon complexity

Unless stated, all fees are payable at mortgage offer stage.

You will receive a Key Facts Illustration when considering a particular mortgage, which will tell you about any fees relating to that mortgage.  You also have the right to request an illustration for any mortgage we offer.

Refund of fees

If we charge you a fee and this has been paid, we will not refund you if you decide not to proceed with the application.

Who regulates us?

We are authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is 758544.

Our permitted business is:

Advising on and arranging regulated mortgage contracts and non- investment insurance contracts

Making arrangements with a view to regulated mortgage contracts, and non-investment insurance contracts.

You can check this on the Financial Services Register by visiting the FCA’s website http://www.fsa.gov.uk/register/home.do or by contacting the FCA on 0800 111 6768 (freephone) from 8am and 6pm Monday to Friday (except public holidays), and 9am to 1pm Saturdays.

What to do if you have a complaint

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

…..in Writing Write to Emily Scott, JUST Mortgage Brokers LTD, 22-24 High Street, Needham Market, Suffolk, IP6 8AP. Email: [email protected]

…..by Phone Telephone: 01449 721216

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.

MORTGAGE

Mortgage advising and arranging is covered up to a maximum of £50,000.

INSURANCES

Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.

      

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