Best Mortgage Direct Ltd

Mortgage Broker (Whole of Market) 33 Dover Park, Dunfermline, Fife, KY11 8HX
FCA verified
15th October 2018
Over 20 Years Experience,Free no obligation quotes. National Coverage. No Broker fees in most cases.
We can advise you on
  • Bad credit
  • Buy to let
  • Commercial for individuals
  • Equity release
  • First time buyers
  • Flexible
  • High loan to value
  • Home reversion
  • Overseas
  • Remortgage
  • Residential
  • Right to buy
  • Self build
  • Self employed
Meet our advisers
adviser-person
Guy Travis Cemap FPC 1 FPC 2
Managing Director
Where to find us

33 Dover Park, Dunfermline, Fife, KY11 8HX

About us

Over 20 years experience in the mortgage industry. Dealing with clients Nationwide. No broker Fees on most cases. Instant quotes and speedy processing. Full advice and processing service. One point of contact who deals with you direct every time.

Our services

All aspects of mortgage market catered for. No broker fees on most cases and fast service. Illustrations emailed and Instant agreement in principles carried out. Exclusive products available not available on High Street. Full advice service including Life and Critical illness cover, ASU, Buildings and contents, Solicitor illustration and costs on request.

Advice methods
  • icons
    Face to face
  • mouse
    Online (Live chat, video, email)
  • phoneButton
    Telephone
Preferred clients
Minimum mortgage value
£0
Compliance

Solicitors Financial Services (Central Scotland) Ltd
Mortgage & Insurance Services & Costs







Authorisation Statement
Solicitors Financial Services (Central Scotland) Ltd 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 or by contacting the FCA on 0800 111 6768.
Our Services
We offer products and services as follows:

Products

• Mortgages – we place no limitations on the mortgages we will consider for you.
• Non-investment protection contracts - we offer non investment protection products e.g. term assurance, income protection and critical illness from a range of insurers.
• General Insurance Contracts - we offer buildings & contents insurance, accident, sickness & unemployment (ASU) from a range of insurers.
Services

• Mortgages – We will provide you with advice after an assessment of your personal circumstances and requirements. This will included a detailed assessment of affordability.
• Non-investment protection contracts - We will provide you with advice after assessment of your personal circumstances and needs.
• General insurance contracts – we will provide you with advice after we have assessed your demands and needs for a particular type of insurance.

The Costs of our Services

Mortgages
We charge a fee of £295 which falls due on provision of the advice provided to you in recommending a mortgage deal. We may also receive a commission from the lender for placing that business.

This fee will be paid directly by you at the above time, unless it is your wish to add our fee to your mortgage loan.

Please note our fee will be charged should the lender reject your mortgage application due to you not disclosing any material information about your personal situation. It should also be noted we do not provide a refund should you decide not to proceed with the mortgage loan after we have made a recommendation to you..

We reserve the right to vary this arrangement where in certain circumstances we may require to charge a higher fee due to additional work involved in arranging your mortgage.

We may also waive our fee in certain circumstances. Your adviser will discuss these options with you prior to proceeding.

Non-Investment Protection and General Insurance Contracts
We do not charge a fee for these services as we will normally receive commission from the policy provider.

Our Ethical Policy
We are committed to providing the highest standard of financial advice and service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will:
• be open, honest and transparent in the way we deal with you;
• not place our interests above yours;
• communicate clearly, promptly and without jargon;
• Seek your views and perception of our dealings with you to ensure it meets your expectations or to identify any improvements required.
Cancellation rights
Certain protection and insurance contracts allow you the right to cancel after a contract has been put in force. Prior to you entering into a contract of protection or insurance we will provide you with specific details should this apply to include: its duration; conditions, practical instructions and any costs for exercising it, together with the consequences of not exercising it.

Instructions
We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing.

Complaints
If you wish to register a complaint, please write to Solicitors Financial Services (Central Scotland) Ltd, 38 Alloa Business Centre, Whins Road, Alloa, FK10 3SA or telephone .

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Compensation Scheme
We are covered by the Financial Services Compensation scheme (FSCS) if we cannot meet our obligations. This is dependent upon the type of business and the circumstances of the claim. Most types of mortgage business are covered up to a maximum limit of £50,000, whereas protection and insurance business is covered for 90% of the claim, without any upper limit. Further information about this compensation scheme arrangement is available from the FSCS.


Data Protection
The information you have provided is subject to the Data Protection Act 1998 (the “Act”). By signing this document you consent to us or any company associated with us for processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management.

“Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the FCA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data.

In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area (EEA) in countries that do not have Data Protection Laws equivalent to those in the UK. Where this is the case we will take reasonable steps to ensure the privacy of your information.

We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.

The information provided may also contain sensitive personal data for the purposes of the Act, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a Trade Union.

If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer on or in writing at Solicitors Financial Services (Central Scotland) Ltd, 38 Alloa Business Centre, Whins road, Alloa, FK10 3SA.

You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.

Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.

Anti-money laundering
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. 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.

Law
This client agreement is governed and shall be construed in accordance with Scottish Law and the parties shall submit to the exclusive jurisdiction of the Scottish Courts.

Force Majeure
Solicitors Financial Services (Central Scotland) Ltd, 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 seven 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.


DECLARATION

This is our standard agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information.

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