01235 555028

T&Cs

1. The Financial Conduct Authority (FCA)

The FCA 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.

2. Whose products do we offer?

Insurance

We offer products from a range of insurers.

 

Mortgages

We offer mortgages from the whole market.

3. Which service will we provide you with?

Insurance

We will advise and make a recommendation for you after we have assessed your needs for all types of non-investment insurance contracts that we deal with.

Mortgages

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

4. What you will have to pay us for this service?

Insurance

No Fee for advising on and arranging non-investment insurance contracts that we deal with.

You will receive a quotation, which will tell you about any other fees relating to any particular insurance policy.

Mortgages

A fee of £295 will be charged for arranging a mortgage which successfully proceeds to a Mortgage Offer. The fee will only be payable on production of the Mortgage Offer. We will not carry out any chargeable work unless we have agreed this fee with you, and obtained your signed permission to charge a fee. We will also receive a procuration fee from the lender.

You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.

5. Who regulates us?

Orange Frog Mortgages is a trading name of Oxford Mortgage Services Ltd, 23 West Saint Helen Street, Abingdon, OX14 5BL and is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 438918.

Our permitted business is advising on and arranging non-investment insurance contracts and mortgages.You can check this on the FCA’s Register by visiting the FCA’s website at www.fca.org.uk/register/ or by contacting the FCA on 0845-606-1234.

6. What to do if you have a complaint.

If you wish to register a complaint please contact us:

In writing: Write to Oxford Mortgage Services Ltd t/a Orange Frog Mortgages, 23 West St. Helen Street, Abingdon, Oxon, OX14 5BL

By Phone: Telephone 01235 555028

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

7. 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.

Insurance

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

Mortgages

Mortgage advising and arranging is covered for 100% of the first £50,000.

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

BUY to LET – About our Services

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. Most mortgages are regulated however in most instances Buy to Let Mortgages are not covered by this regulation. Secured overdrafts are referred to here as “mortgages” because they involve a charge being taken over your property. Use this information to decide if our services are right for you.

2. Whose mortgages do we offer?

We offer mortgages from the whole Buy to Let market.

 

3. Which service will we provide you with?

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

4. What you will have to pay us for this service?

A fee of £295 will be charged for arranging a mortgage which successfully proceeds to Mortgage Offer. The fee will be payable only on production of the Mortgage Offer. We will not carry out any chargeable work unless we have agreed this fee with you, and obtained your signed permission to charge a fee. We will also receive a procuration fee from the lender.

6. Who regulates us?

Orange Frog Mortgages is a trading name of Oxford Mortgage Services Ltd, 23 West Saint Helen Street, Abingdon, Oxon, OX14 5BL and is authorised and regulated by the Financial Conduct Authority.

Our FCA registration number is 438918Our permitted business is advising on and arranging non-investment insurance contracts and mortgages.

You can check this on the FCA’s Register by visiting the FSA’s website at www.fca.org.uk/register/ or by contacting the FCA by telephone on 0845-606-1234.

7. What to do if you have a complaint.

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

In writing: The Compliance Manager ,Oxford Mortgage Services Ltd t/a Orange Frog Mortgages, 23 West St. Helen Street, Abingdon, Oxon, OX14 5BL

By telephone: 01235 555028

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Services Ombudsman Service

8. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are not covered by the FSCS in relation to pure Buy to Let mortgages when they do not involve your own family members occupying the property to be mortgaged, therefore the protection that would normally exist with regards to regulated mortgages is not available.