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FINANCIAL SERVICES
Established in 1991, we have arranged over Ł5billion of mortgages and assisted over 100,000 clients achieve their property goals. Mortgage Matters Direct specialises in mortgages and mortgage related protection products We offer a fee free service and collect our commission from the lender. Key decisions when buying a property We can help you make some of these decisions by providing information in the following areas: • Do you need a mortgage? • How much can you borrow? • How will you repay your mortgage? • Over what term? • What insurances are required? • How much will your mortgage cost? • What happens if you repay your mortgage early? • What type of interest rate best suits your needs? • What other costs and fees might be involved with the purchase and any related sale – estate agents fees, solicitors’ fees, lenders’ fees, surveyors’ fees etc! • What happens if you want to move home during the mortgage term? Our advisers are trained to guide you through these decisions. To help you receive the service you deserve our specialist advisers are equipped with the latest technology giving you “up to the minute” information. Our Customer Service Teams are there to support you through the post application process, to ensure your mortgage proceeds as smoothly as possible. Information • As a responsible company we will treat all your personal information as Private and Confidential, providing you with access to your personal records. • Your information will be protected under the terms of the Data Protection Act 1998. • We respect our legal obligations to report any suspicion of financial crime, including the false declaration of income for mortgage or taxation purposes. Investment Properties • If your mortgage requirements relate to an investment property please ask for the relevant terms of business. Our Services Use this information to decide if our services are right for you. Mortgages We offer mortgages from a selected range of High Street and specialist lenders Which service will we provide you with? We offer an advice and recommendation service to assist you in making informed choices. Your needs are important to us and we will work with you, assessing your circumstances before exploring the most suitable options available. What will you have to pay us for our services? We offer a “fees free” service to normal credit clients collecting instead, a commission from the lender. We will tell you whatever fees we will receive. What to do if you have a complaint. Should you have any cause for complaint you should communicate this, in the first instance, to our Complaints Coordinator through the adviser responsible for your mortgage and insurance arrangements or direct to:- Complaints Coordinator Mortgage Matters Direct Christchurch House Beaufort Court Medway City Estate Rochester ME2 4FB Telephone 01634 731535 Fax 01634 731556 Email anne.mackenzie@mortgagemattersdirect.co.uk If you cannot settle your complaint with us we will help you to direct your complaint to the appropriate ombudsman. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You may be entitled to compensation (up to Ł48,000) from the scheme if we cannot meet our obligations. Further information about compensation scheme arrangements is available from the FSCS. The Association of British Insurers (ABI) The ABI is the independent association that sets the selling code of practice for intermediaries advising clients on non-investment life assurance contracts. Mortgage Matters Direct adheres to the principles established within this code. Non-Investment Life Protection We offer non-investment protection products through Legal & General. Our property insurance and payment protection products are arranged throughout Towergate and St. Andrews respectively. Mortgage Matters Direct is a trading name of Arun Estate Agencies Ltd, an appointed representative of Home In One Financial Services Ltd which is authorised and regulated by the Financial Services Authority (FSA). Home In One Financial Services Ltd are permitted to advise on and arrange mortgages and non-investment life and general insurance products. 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 6061234. The FSA does not regulate Buy to Let Mortgages and different terms of business apply to these. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE DATA PROTECTION ACT Any information you provide will be held by Arun Estate Agencies Limited. They may use it for marketing and administrative purposes and to inform you about any products and services offered by Arun Estate Agencies Limited, its subsidiaries. Arun Estate Agencies Limited is registered with The Data Protection Register, registration number Q0844205. DISCLAIMER: Data provided on this site is supplied by Mortgage Brain Limited who makes no warranty, representation, warranties or promise not expressly set forth and disclaims fitness for a particular purpose, course of dealing, usage of trade, title and non-infringement.

FINANCIAL SERVICES

Established in 1991, we have arranged over Ł5billion of mortgages and assisted over 100,000 clients achieve their property goals.

Mortgage Matters Direct specialises in mortgages and mortgage related protection products

We offer a fee free service and collect our commission from the lender.

Key decisions when buying a property

We can help you make some of these decisions by providing information in the following areas:
• Do you need a mortgage?
• How much can you borrow?
• How will you repay your mortgage?
• Over what term?
• What insurances are required?
• How much will your mortgage cost?
• What happens if you repay your mortgage early?
• What type of interest rate best suits your needs?
• What other costs and fees might be involved with the purchase and any related sale – estate agents fees, solicitors’ fees, lenders’ fees, surveyors’ fees etc!
• What happens if you want to move home during the mortgage term?

Our advisers are trained to guide you through these decisions.
To help you receive the service you deserve our specialist advisers are equipped with the latest technology giving you “up to the minute” information.

Our Customer Service Teams are there to support you through the post application process, to ensure your mortgage proceeds as smoothly as possible.

Information
• As a responsible company we will treat all your personal information as Private and Confidential, providing you with access to your personal records.
• Your information will be protected under the terms of the Data Protection Act 1998.
• We respect our legal obligations to report any suspicion of financial crime, including the false declaration of income for mortgage or taxation purposes.

Investment Properties

• If your mortgage requirements relate to an investment property please ask for the relevant terms of business.

Our Services
Use this information to decide if our services are right for you.

Mortgages
We offer mortgages from a selected range of High Street and specialist lenders

Which service will we provide you with?
We offer an advice and recommendation service to assist you in making informed choices. Your needs are important to us and we will work with you, assessing your circumstances before exploring the most suitable options available.

What will you have to pay us for our services?
We offer a “fees free” service to normal credit clients collecting instead, a commission from the lender.
We will tell you whatever fees we will receive.

What to do if you have a complaint.
Should you have any cause for complaint you should communicate this, in the first instance, to our Complaints Coordinator through the adviser responsible for your mortgage and insurance arrangements or direct to:-

Complaints Coordinator
Mortgage Matters Direct
Christchurch House
Beaufort Court
Medway City Estate
Rochester ME2 4FB
Telephone 01634 731535
Fax 01634 731556
Email anne.mackenzie@mortgagemattersdirect.co.uk

If you cannot settle your complaint with us we will help you to direct your complaint to the appropriate ombudsman.

Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation (up to Ł48,000) from the scheme if we cannot meet our obligations.
Further information about compensation scheme arrangements is available from the FSCS.

The Association of British Insurers (ABI)
The ABI is the independent association that sets the selling code of practice for intermediaries advising clients on non-investment life assurance contracts. Mortgage Matters Direct adheres to the principles established within this code.

Non-Investment Life Protection
We offer non-investment protection products through Legal & General. Our property insurance and payment protection products are arranged throughout Towergate and St. Andrews respectively.

Mortgage Matters Direct is a trading name of Arun Estate Agencies Ltd, an appointed representative of Home In One Financial Services Ltd which is authorised and regulated by the Financial Services Authority (FSA). Home In One Financial Services Ltd are permitted to advise on and arrange mortgages and non-investment life and general insurance products. 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 6061234. The FSA does not regulate Buy to Let Mortgages and different terms of business apply to these.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

DATA PROTECTION ACT Any information you provide will be held by Arun Estate Agencies Limited. They may use it for marketing and administrative purposes and to inform you about any products and services offered by Arun Estate Agencies Limited, its subsidiaries. Arun Estate Agencies Limited is registered with The Data Protection Register, registration number Q0844205.

DISCLAIMER: Data provided on this site is supplied by Mortgage Brain Limited who makes no warranty, representation, warranties or promise not expressly set forth and disclaims fitness for a particular purpose, course of dealing, usage of trade, title and non-infringement.