Terms of Business
Clearview Mortgage Solutions Limited is authorised and regulated by the Financial Conduct Authority (FCA) for residential mortgages (first and second charges), pure protection and general insurance business. FCA Reference Number: 1013885. You can check our authorisation on the Financial Services Register or by calling 0800 111 6768.
Our Services
We provide advised services only and do not offer execution-only transactions. We act as a whole-of-market mortgage and insurance broker and advise on:
Mortgages
- Residential, Consumer Buy-to-Let, Second Charge Mortgages and Regulated Bridging Loans
Protection
- Life Insurance, Critical Illness Cover, Income Protection and Accident, Sickness & Unemployment (ASU)
General Insurance
- Buildings, Contents, Landlord Insurance and Private Medical Insurance
How we advise
All recommendations are made following a full assessment of your needs, circumstances and affordability, including completion of a Client Fact Find. Where additional borrowing is required, we will consider all suitable options, including further advances, remortgages, second charge mortgages or unsecured lending.
For protection and general insurance, we act as an intermediary and provide advice based on a fair and personal analysis of the market. Any applicable cancellation rights will be explained before you enter into a contract.
Fees and Commission
Mortgages
- We may charge a broker fee of 0% up to 1% of the loan amount, or a fixed fee. The exact fee will be agreed and disclosed before any work commences. A commitment fee may apply depending on circumstances. Broker fees are non-refundable once paid. We also receive commission from the lender on completion, which will be disclosed in your mortgage illustration. Commission ranges are available on request.
Protection and General Insurance
- We do not charge a fee for advising on or arranging protection or general insurance products. We receive commission from insurers, which is included in the premium you pay. The expected commission will be disclosed before a policy is arranged.
Service Standard
We are committed to acting in your best interests at all times. We will be open and transparent, communicate clearly, keep you updated throughout your application and liaise with lenders, solicitors, estate agents and insurers as required.
Complaints
If you are dissatisfied with any aspect of our service, please contact us. If your complaint cannot be resolved, you may refer it to the Financial Ombudsman Service, free of charge.
Telephone
- 0203 829 9515
Email
- compliance@clearviewmortgage.co.uk
Post
- Compliance, Clearview Mortgage Solutions Limited, New Mead Barn, Wickham Hall, Hadham Road, Bishop's Stortford CM23 1JG
Financial Services Compensation Scheme (FSCS)
You may be entitled to compensation from the FSCS if we are unable to meet our liabilities. Further information is available from the FSCS.
Data Protection and Privacy
Your personal data is handled in accordance with Data Protection legislation and retained for a minimum of six years. Data is stored securely and treated as confidential. Full details are available in our Client Privacy Notice.
General and Legal
Instructions should be provided in writing where possible. Any variations to these terms must be confirmed in writing by Clearview Mortgage Solutions Limited. We maintain Professional Indemnity Insurance and comply with FCA record-keeping requirements. These terms are governed by the laws of England and Wales, and disputes are subject to the exclusive jurisdiction of the English Courts.