Mortgages
We offer mortgages from the whole market.
We will advise and make a recommendation for you after we have assessed your needs.
A fee of £299 for mortgages, payable on completion - we will also be paid commission from the lender or:
A fee of 1.5% of the loan amount, for example loan amount £100,000 fee £1,500 - any fees or commission payable from the lender will be rebated to you.
Insurance
We will advise and make a recommendation for you after we have assessed your needs.
Whose products do we offer?
We offer products from a range of insurers for Term Assurance, Critical Illness and Income Protection Insurance
We only offer products from a limited number of insurers for Accident Sickness and Unemployment Insurance and Buildings and Contents Insurance. Ask us for a list of insurers we offer insurance from.
We only offer products from a single Insurer for Unoccupied Property Insurance and Private Medical Insurance.
What will you have to pay us for our services?
No Fee.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
Refund of fees
If we charge you a fee, and your mortgage does not go ahead, you will receive a full refund.
Who regulates us?
Aspect Mortgages is a trading name of Aspect Mortgages Ltd, 24 St Andrew's Avenue, Ashton-on-Ribble, Preston, PR2 1JN which is authorised and regulated by the Financial Services Authority. Our FSA Register number is 305352.
Our permitted business is advising on and arranging mortgages and non-investment insurance contracts.
You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
What to do if you have a complaint
If you wish to register a complaint, please contact us.
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 the claim.
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