about our services

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you this combined document. Use this information to decide if any of our services are right for you.

2. Whose products do we offer

Mortgages

We offer mortgages from the whole market

We only offer mortgages from a limited number of lenders.

We only offer mortgages from a single lenders/providers

Insurance

We offer products from a range of insurers

We only offer products from a limited number of non-investment insurance contracts

We only offer products from a single insurer

3. Which service will we provide you with

Mortgages

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

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

Insurance

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

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4. What will you have to pay us for our services

Mortgages

A fee of We will refund you any commission we receive from the lender.

No fee. We will be paid by commission from the lender.

A combination of both. A fee of £*** payable at the outset and £*** payable when you
apply for a mortgage. We may also charge a fee of up to ***% of the loan we will advise this before application is made. We will also be paid commission from the lender.

A fee.

No fee.

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

5. Refund of fees

A full refund. Only if the lender or insurer rejects your application.

6. Who regulates us

eMortgages is an appointed representative of The Mortgage Partnership (MK) Ltd which is authorised and regulated by the Financial Services Authority. The Mortgage Partnership (MK) Ltd FSA registration number is 302011.

The Mortgage Partnership (MK) Ltd permitted business is advising and/or arranging “regulated mortgage contracts” and “ non-investment insurance contracts”.

You can check this on the FSA’s register by visiting their website
www.fsa.gov.uk/register or by contacting the FSA on 0845 6061234.

7. What to do if you have a complaint

If you wish to register a complaint, please contact us:
In writing:
The Compliance Officer at
The Mortgage Partnership (MK) Limited, 3 Bassett Court, The Green, Newport Pagnell, Bucks. MK16 0JN.
By Phone:
Telephone 01908 616500

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

8. 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.

Mortgages
Advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000, so the maximum compensation is £48,000.

Insurance
Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remaining claim without an upper limit.