01235 555028


Combined initial disclosure document for: Oxford Mortgage Services Ltd t/a Orange Frog Mortgages, 23 West Saint Helen Street, Abingdon, Oxon, OX14 5BL

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


INSURANCE: We only offer products from a limited range of insurers for all non investment insurance products we offer. Ask us for a list of the insurers we offer insurance from.

MORTGAGES: We offer products in the following ‘relevant market:

  • Regulated mortgage contracts that are used for a non-business purpose.
  • We are not limited in the range of mortgages we will consider for you and can offer you advice on both first and second charge loans

Please note that, where you are increasing your mortgage borrowing although we do not (or are unable to) advise on the following finance options these may be available to you and be more appropriate:-

  • An unsecured loan

WHICH SERVICE(S) WILL WE PROVIDE YOU WITH?: We will advise and make a recommendation for you after we have assessed your needs for all non investment insurance products we deal 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: You will pay for our services on the basis of: No fee for arranging or advising for all non investment insurance contract we deal with. You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

MORTGAGES: You will pay for our services on the basis of:

Advised Sales: A flat fee of £395 for mortgages less than £100,000 or a reduced flat fee of £295 for mortgages above £100,000. The applicable fee will be payable on production of a mortgage offer. We will also be paid commission from the lender which we will retain. The exact amount of commission we will receive from the lender 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 We will tell you how much the total fee will be in good time before you apply for a mortgage, but you may ask for this information earlier. You will receive a key facts illustration / ESIS 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 / ESIS for any mortgage we offer.

REFUND OF FEES: If we charge you a fee and this is paid, and your mortgage does not go ahead our fee is not refundable under any circumstances.

WHO REGULATES US?: Orange Frog Mortgages is a trading name of Oxford Mortgage Services Ltd, 23 West Saint Helen Street, Abingdon, Oxfordshire, OX14 5BL and is authorised and regulated by The Financial Conduct Authority. Our FCA register number is438918

Our permitted business is: Advising on and arranging non-investment insurance contracts and mortgages.

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.

WHAT TO DO IF YOU HAVE A COMPLAINT: If you wish to register a complaint, please contact us in writing to Oxford Mortgage Services Ltd t/a Orange Frog Mortgages, 23 West Saint Helen Street, Abingdon, Oxon, OX14 5BL. By phone on 01235 555028. By email at info@ofmortgages.co.uk. 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 COMPENSATON SCHEME (FSCS)?: We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This will depend on the type of business and the circumstances of the claim.

INSURANCE: Long term insurance benefits (e.g. Life Assurance). The maximum level of compensation for claims against firms declared in default is 100% of the claim with no upper limit.

General Insurance: General insurance advice and arranging is covered for 90% of the claim with no upper limit.

Protection is at 100% where claims arise in respect of compulsory insurance (e.g. employer’s liability insurance), professional indemnity insurance and certain claims for injury, sickness or infirmity of the policyholder. Protection is at 90% where claims arise under other types of policy with no upper limit.

MORTGAGES: Mortgage advising and arranging is covered up to a maximum limit of £50,000. Further information about compensation scheme arrangements is available from the FSCS.

You can view our Anti Money Laundering Policy here.