FORMS WE USE EVERYDAY

Initial Disclosure Forms

We are required to provide an 'Initial Disclosure Document' (IDD) to our clients  at the earliest possible opportunity. We usually send it by email during, or immediately after, our initial discussion.

You should use the information our IDD contains to ensure our level of service, and the cost of our service, is what you require.

As ‘Independent Mortgage Advisers’ we also offer the facility to be paid by ‘Fee only’. Any commission we receive from a mortgage lender would be refunded to you after your case completes.

As stated in our Values statement, we operate in an open and honest manner. We are flexible with regards
our fees, and therefore, if you have any concerns, just ask us and we may be able accommodate an alternative arrangement.

Please click on the appropriate link below to download and print out the IDD.

Services and Costs Disclosure Document for Mortgages and Protection

**I may remove this link**Services and Costs Disclosure Document for Buy-to-Let Mortgages     Don’t forget, IDD’s are only relevant to FSA regulated mortgages, and not mortgages that the FSA do not regulate. For non-regulated mortgages, we will issue a Fee Agreement.   CLIENT AGREEMENT FORM We will obtain a signed copy of this form when we start our relationship with you......

Client Agreement form     FACT FIND FORMS Depending on the type of business we transact with you, we are required to complete the relevant 'Fact-Find Form' appropriate to the business type. This allows us to fulfil the 'Know your Client' regulations. We are required to obtain your factual information, as well as your 'needs and wants' requirements. If you do not disclose all the correct information first time round, it may affect the recommendation we make to you, had we been aware of the complete situation earlier. If this situation arises, we reserve the right an charge an additional fee, due to the doubled effort and workload created by any such non-disclosure. For Combined Mortgage and Protection cases .......   Mortgage and Protection Fact-Find

Protection-only cases (Life assurance, Critical Illness, Income Protection)........

Protection Fact-Find     Accident, Sickness and Unemployment cases......

Accident Sickness & Unemployment Fact-Find      Building and Contents Insurance cases....   Building and Contents Insurance Fact-Find

The FSA do not regulate all kind of mortgages.