Levels of Service
Choose the level of service best for you!
Choosing a mortgage may be your most important financial commitment. At the earliest contact, which we have with you, we will provide you with a copy of a leaflet entitled 'You and Your Mortgage', which summarises the Code's key commitments and explains that there are three levels of service which may be provided under the Code. We offer all three levels of service and tailor mortgages to suit your
individual needs.
We can offer:
(a) Advice and a recommendation as to which mortgage is most suitable for you. When giving advice, we will take care to help you to select a mortgage to fit your needs by asking for relevant information about your circumÂstances and objectives. Our advice will also depend on your particular requirements and on the market conditions at the time. The reaÂsons for the recommendation will be given to you in writing before you complete your mortgage.
(b) Information on the different types of mortgage product we offer so that you can make an informed choice of which to take;
(c) Information on a single mortgage product only, if we only offer one mortgage product or if you have already made up your mind.
Confirmation of Service
Before you take out your mortgage, we will conÂfirm, in writing, the level of service given.
Alternative repayment methods; Interest only mortgages; Early repayment; Interest rate alternatives; Future repayments; Insurance; Charges payable; Transfer of Terms; Information to credit reference agencies; High percentage loans.
