FCA Disclosure Policy

For: Henry James Mortgages Ltd

Who are the Financial Conduct Authority (FCA)?

The FCA is an independent watchdog that regulates financial services. Please read this important document. It explains the service(s) you are being offered and how you will pay for it/them.

• Who are we regulated by?

Henry James Mortgages Ltd is an appointed representative of H L Partnership Limited, Pharos House, 67 High Street, Worthing, West Sussex, BN11 1DN, England, which is authorised and regulated by the Financial Conduct Authority. H L Partnership Limited’s FCA number is 303397.

Our permitted business is advising and arranging deals in Non Investment Insurance Contracts, and advising and arranging Regulated Mortgage Contracts. You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768.

• Products Offered

Mortgages

We offer a comprehensive range of first charge mortgages from across the market, but not deals that you can only obtain by going direct to a lender. We will provide you with a list of lenders we use. We offer products for personal business only.
We will advise and make a recommendation for you after we have assessed your needs.

For Mortgages there is an application fee of £95.00 payable upon the full application and a fee of £1295.00 payable on completion of the mortgage

Any fee charged is refundable if your mortgage does not go ahead.

Insurance

We offer products from a range of insurers for Life Assurance, Critical Illness, Income Protection, Accident Sickness & Unemployment, and Buildings & Contents. We will advise and make a recommendation for you after we have assessed your needs for Life Assurance, Critical Illness, Income Protection, Accident Sickness & Unemployment, and Buildings & Contents.

There is NO FEE for you to pay us for this service. You will receive a quotation, which will tell you about any other fees relating to any particular insurance policy.

• Complaints

If you wish to register a complaint then please contact The Complaints Manager at:
HL Partnership Limited, Pharos House, 67 High Street, Worthing, BN11 1DN, (FCA Reference: 303397)
or Phone 01903 602 664

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

• H L Partnership is covered by the Financial Services Compensation Scheme (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 for 90% of the claim with no upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Mortgages - Mortgage advising and arranging is covered up to a maximum limit of £50,000.

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