About our Services Document
About our services – Non- Regulated Mortgages
24 Carfax
Horsham
West Sussex
RH12 1EB
T: 01403 27 26 25
F: 01403 211 200
This document sets out the standard costs and charges that apply to the advice and service provided to clients. The
actual amount that will be payable will be confirmed to you in writing before any liability for the costs and charges
arise. You need to read this important document. It explains the service you are being offered and how you will pay
for it.
1.
Whose products do we offer?
Insurance
 We offer products from a range of insurers for non-investment pure protection, personal general household
and commercial general insurance contracts.
 We can only offer products from a limited number of insurers. Ask us for a list of insurers we offer insurance
from.
 We only offer products from a single insurer.
Mortgages
 We offer mortgage contracts from the whole of market.
 We can only offer mortgage contracts from a limited number of companies.
 We only offer mortgage contracts from a single lender.
2.
Which service will we provide you with?
Insurances
 We will advise and make a recommendation for you after we have assessed your needs for non-investment
pure protection and personal general insurance.
 You will not receive advice or a recommendation from us for non-investment pure protection and personal
general insurance. 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.
Mortgages
 We will advise and make a recommendation for you on mortgage contracts after we have assessed your
needs.
Reviewed: April 2013
About our Services Document
 You will not receive advice or a recommendation from us. We may ask some questions to narrow down the
selection of mortgage contracts we will provide details on. You will then need to make your own choice
about how to proceed.
All of the above services involve the arranging and bringing about a contract between you and another party, should
you instruct us to proceed with our recommendation.
3.
What will you have to pay us for our services
Insurance Based Products
 A fee.
 No fee. However, we will receive commission from the insurance company selected for non-investment pure
protection, personal general household insurance or commercial general insurance contracts.
You will receive a quotation which will tell you about any fees relating to any particular insurance policy.
Mortgages
 No fee. We will be paid by commission from the lender.
 A fee of £199.00 payable on Application and £375 payable on receipt of a Mortgage Offer. We will also be
paid by commission from the lender.
 A non-refundable fee of £1,499 on application and we will refund to you any procuration fee received from
the lender in relation to your mortgage, subsequent to completion.
You will receive a Key Facts Illustration when considering a particular mortgage or home purchase plan, which will tell
you about any fees relating to it.
4.
Refund of fees
If we charge you a fee, and your mortgage does not go ahead, you will receive:
 No refund
5.
What to do if you have a complaint
If you wish to register a complaint, in the first instance, please contact us.
…in writing to:
The Compliance Department, AToM, 24 Carfax, Horsham, West Sussex. RH12 1EB.
….by phone:
Telephone 01403 214200 or 01403 27 26 25
If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
6.
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 claim.
Reviewed: April 2013
About our Services Document
Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of
insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit
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.
Message from the Financial Conduct Authority
Think carefully about the product and services you need. If you want information or advice on standard
mortgages please ask.
All Types of Mortgages Limited is an appointed representative of IN Partnership the trading name of The On-Line Partnership
Limited which is authorised and regulated by the Financial Conduct Authority. IN Partnership’s Financial Services Register
number is 192638. Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.
© AToM (All Types of Mortgages Ltd) 2014.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Reviewed: April 2013