About Our Mortgage Services and Costs

Understanding how we work with you

The Financial Conduct Authority (FCA)

Homekey Mortgages Limited is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA's website www.fca.org.uk/firms/systems-reporting/register.

FCA Register Number: 967597
Registered Name: Homekey Mortgages Limited

United Mortgages Limited is an appointed representative of Homekey Mortgage Solutions Ltd. United Mortgages Limited is registered in England and Wales, company number 16154790. Registered office: 167-169 Great Portland Street, London, W1W 7PF.

Our Mortgage Services

For mortgages we are independent mortgage advisers and we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances.

🏠 What We Offer

We offer mortgage advice and arrange mortgage products from a wide range of lenders. Our service covers residential mortgages, remortgages, buy-to-let, and associated protection products.

📋 Our Process

We assess your personal needs and circumstances before making any recommendation. We will provide you with a key facts illustration setting out the details of any mortgage we recommend, including all fees and charges.

The interest of our customers is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business.

Our Commitments to You

✓ Transparency

Be open, honest and transparent in the way we deal with you.

✓ Client First

Not place our interests above yours.

✓ Clear Communication

Communicate clearly, promptly and without jargon.

✓ Continuous Improvement

Seek your views and perception of our dealings with you to ensure it meets your expectations or to identify any improvements required.

What You'll Pay

We do not charge you a fee for assistance in choosing the most suitable mortgage for your circumstances.

Application Fee Structure

We charge a non-refundable application fee based on the time spent on preparing your mortgage application for submission to the recommended lender, supervision of the application process up to the mortgage offer stage, providing you with regular updates and liaising on your behalf with your Solicitor or Estate Agent.

Standard Applications

Fee: £699

Due: Upon submission of the full mortgage application

Adverse Credit Applications

Fee: £999

Applies to: Applicants who have missed two or more secured and/or unsecured payments on credit accounts within the last 24 months

Due: Upon submission of the full mortgage application

Lender Commission

We receive and retain commission paid by the lender when your mortgage completes

Amount confirmed in the lender's disclosure document

You can request to view commission rates at recommendation stage

Important: The fee becomes due upon the submission of the full mortgage application. For all cases where a fee is payable, you will be required to sign a Client Agreement prior to applying for your mortgage. Invoices are payable on the day the invoice is issued.

In all cases, you will receive a key facts illustration, which will tell you about any fees relating to a particular mortgage and any commission payable to us.

Refund of Fees

Please note our fee will still be charged should the lender reject your mortgage application due to you not disclosing any material information about your personal situation.

No Refund Policy: We do not provide a refund should you decide not to proceed with the mortgage loan after we have made a recommendation to you.

This policy reflects the work and resources committed to researching, preparing and submitting your application, which cannot be recovered once completed.

Who Regulates Us?

We are committed to providing the highest standard of advice and service possible. United Mortgages Limited is an appointed representative of Homekey Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

Regulatory Details:
Homekey Mortgage Solutions Ltd is authorised and regulated by the Financial Conduct Authority.
FCA Register Number: 967597.

You can check this on the FCA's Register by visiting the FCA's website (www.fca.org.uk) or by contacting the FCA on 020 7066 1000.

Homekey Mortgage Solutions Ltd's permitted business is advising on and arranging mortgages and general and pure protection insurance.

What to Do If You Have a Complaint

If you wish to register a complaint, please contact us in the first instance:

United Mortgages Limited

📧 legal@united-mortgages.com
📞 0204 634 9315
✉️ 167-169 Great Portland Street, London, W1W 7PF

Homekey Mortgage Solutions Ltd

📧 info@homekeymortgages.co.uk
📞 0190 891 5685
✉️ 5 Drakes Mews, Crownhill Milton Keynes, MK8 0ER

Financial Ombudsman Service:
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

Compensation Scheme (FSCS)

If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme.

🛡️ Your Protection

The FSCS is the UK's statutory compensation scheme for customers of authorised financial services firms. It can pay compensation if a firm is unable, or likely to be unable, to pay claims against it.

Coverage Limits:
Further information about the limits applicable to the different product types is available from the FSCS at www.fscs.org.uk/what-we-cover/products

Client Verification

We may be required to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date.

🔍 Identity Verification

For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning.

📋 Why We Verify

These requirements are part of anti-money laundering regulations and help protect both you and us from fraud and financial crime.

All information collected is handled in accordance with our Privacy Policy and relevant data protection legislation.

Legal Terms

Law

This agreement is governed and shall be construed in accordance with the Laws of England and Wales, and the parties shall submit to the exclusive jurisdiction of the English Courts.

Force Majeure

United Mortgages Limited shall not be in breach of this Agreement and shall not incur any liability to you if there is any failure to perform its duties due to any circumstances reasonably beyond its control.

Termination

The authority to act on your behalf may be terminated at any time without penalty by either party giving 7 days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated.

Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date.

Company Information:
United Mortgages® is a trademark of United Mortgages Limited, registered in England and Wales at 167-169 Great Portland Street, London, W1W 7PF. Company Number: 16154790. United Mortgages Limited is an appointed representative of Homekey Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority: FCA Register Number 967597.

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