01235 555028


Oxford Mortgage Services Ltd t/a Orange Frog Mortgages

25 Stert Street, Abingdon, OX14 3JF

01235 555028


Whose ’Buy to Let’ mortgages do we offer?

 X We offer a comprehensive range of buy-to-let mortgages from across the market

Which service will we provide you with?

XWe will advise and make a recommendation for you after we have assessed your needs.

Please note that our ’Buy to Let’ service is restricted to helping you arrange a suitable mortgage. We will not advise you about whether or not the property you plan to buy and let out to tenants, will turn out to be a sound investment.

Regulatory Position

In most cases, advising on and arranging buy-to-let mortgages is not regulated by the Financial Conduct Authority. 

You have indicated that neither yourself nor a close relative intend to occupy the property being mortgaged, either now or in the future.  If this is not the case please advise us immediately as the mortgage is likely to be regulated by the Financial Conduct Authority and we will need to provide you with a different  initial disclosure document regarding our mortgage services.

Following our initial discussions regarding your circumstance we have identified that:-

You are looking to arrange a buy-to-let mortgage in respect of a property you have previously resided in, and that you do not own any other rental properties.  We will therefore treat you as a Consumer Buy-to-Let mortgage (CBTL) customer

A consumer buy-to-let mortgage is defined as a buy-to-let mortgage which is not entered into ‘by way of business’.

A buy-to-let mortgage will usually be treated as a consumer buy-to-let mortgage if you (or a close relative) have, at any point, lived in the property (unless you already own other rental properties).

Buy-to-let mortgages are not regulated by the Financial Conduct Authority (FCA), however there are some additional protections for consumer buy-to-let mortgages customers.

The additional protection extends to a complaint against our firm in relation to the advice you receive and we are unable to resolve. As per our complaints procedure, you may have the right to refer the complaint to the Financial Ombudsman Service (FOS).

We are supervised by the Financial Conduct Authority (FCA) in respect of any Consumer Buy-to-Let mortgage activities we conduct and are required to comply with the conduct of business requirements set out in the Mortgage Credit Directive Order [2015]. Our FCA registration number is 438918.

You can check this on the Financial Services Register by visiting the FCA’s website https://www.fca.org.uk/register 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.

Please note that we offer an independent advisory services in respect of consumer buy-to-let mortgages

You are looking to arrange a buy-to-let mortgage in respect of either;

  • A new property being purchased for the sole purpose of being let , or
  • An existing property that neither yourself (or a close relative) have previously resided in, or
  • An existing property which either yourself (or a close relative) have previously resided, but you own another property which let subject to rental agreement and/or on which there is an existing buy-to-let mortgage

In these circumstances you will deemed to be taking out a buy-to-let mortgage ‘by way of business’

Buy-to-let mortgages entered into by way of business are not regulated by the Financial Conduct Authority (FCA)

Capturing your needs

We are committed to providing you with a service that meets with your individual needs. To enable us to achieve this objective it is important that you are open and frank with us and provide us with all of the necessary information that we will need to deliver a service that reflects your needs e.g. any existing mortgages or other loans you may have. This will enable us to identify products that best meet with your personal circumstances. It will also help us to identify any specific needs regarding the methods by which we deliver our services to you. For example, if you need information in large font or braille due to sight difficulties, we can provide you with that.

Further information on how we collect and use your personal data is set out in the separate Data Privacy Notice that we have issued to you.

What will you have to pay us for this service?

A flat fee of £395 will become payable on offer, for mortgages of £100,001 or above.

A flat fee of £495 will become payable on offer, for mortgages of £100,000 or under.

We do not charge a fee to arrange a Product Switch with your existing lender.

The exact amount of commission we will receive is not known to us at this stage.  We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

You will receive a lending illustration when considering a particular mortgage, which will tell you about any fees relating to that mortgage.

Refund of fees

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

No refund of our arrangement fee.

What to do if you have a complaint

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

…in writing      Orange Frog Mortgages, 25 Stert Street, Abingdon, OX14 3JF


…by phone      01235 555028

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

The Financial Ombudsman Service will not consider complaints in respect of Buy-to-Let mortgages entered into ‘by way of business’

Are we covered by the Financial Services Compensation Scheme?

Our ’Buy-to-Let’ mortgage services are not covered by the Financial Services Compensation Scheme, except if they are regulated by the Financial Conduct Authority (as explained in Section 3 of this document).

Where the business is regulated by the Financial Conduct Authority mortgage advising and arranging activity is covered up to a maximum limit of £85,000.

Further information about compensation scheme arrangements is available from the FSCS (www.fscs.org.uk).

Or by contacting

Financial Services Compensation Scheme  PO Box 300 Mitcheldean GL17 1DY

Telephone number 0800 678 1100

International customers Telephone number +44 207 741 4100