About this Document

This document outlines important information about the services we provide. It is important to read this document and understand the content.

Services We Provide

Once we have assessed your needs, we will give you advice and make a recommendation in the following areas:

Mortgages:

We offer an unrestricted range of first charge mortgages, but do not offer second charge lending or bridging finance. We also do not offer mortgage deals which are only available direct from the lender.

Protection:

We offer products from a carefully selected number of insurers to provide a fair analysis of the market for Income Protection, Critical Illness Insurance, and Life Assurance. For Accident, Sickness and Unemployment we offer cover provided by Wessex Group.

Property Insurance:

We offer products from a carefully selected number of insurers for Buildings and Contents Insurance. Please ask if you wish to be given a list of those insurers.

Our Costs – This is how we are paid for our services:

Mortgages – We will charge no fee but may receive commission from the lender.
Protection – We will charge no fee but may receive commission from the insurer.
Property Insurance – We will charge no fee but may receive commission from the insurer.

Any fee payable is non-refundable and the full terms are explained in our fee agreement. The amount of any commission we receive will be disclosed to you before you agree to proceed with an application.

How we are Regulated:

Label Mortgages is a trading name of Martin Walker which is an appointed representative of Stonebridge Mortgage Solutions Ltd., Regency House Miles Gray Road Basildon Essex SS14 3FR, which is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 454811.

Stonebridge Mortgage Solutions Ltd.’s permitted business is advising on and arranging non-investment insurance and mortgages.

You can check this on the Financial Services Register by visiting the Financial Conduct Authority’s website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.

The Financial Conduct Authority is the independent watchdog that regulates financial services.

If you have a Complaint:

We hope that you will never have cause to complain but if you do and you wish to register a complaint, please contact our network;

In writing:

Stonebridge Mortgage Solutions Ltd. Regency House Miles Gray Road Basildon Essex SS14 3FR

By telephone:

0345 646 5535

By email:

complaints@stonebridgegroup.co.uk

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

Consumer Protection:

We are 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.
You can find out more about the scheme on the FSCS website.