Remember to give us full information:

We need to know all your financial commitments so we can work out what you can afford.

If you need a mortgage on which you only pay the interest (an“interest-only” mortgage), we need you to tell us how you plan to repay the balance.

If you are not giving us proof of your income, we need you to be accurate and realistic when you tell us how much you earn.

 Our aims

We want to make it absolutely clear what we are offering.
For example, the conditions of the business, including rates, charges, likely timescales and so on.

We want to deliver what we say we will deliver.
We want you to get exactly what you are expecting without surprises.

We want to sort out any problems that may arise along the way.
If anything goes wrong, we want you to feel confident that we will do every thing we can to put it right.

We want to be fair and not take advantage.
We do not expect you to be an expert on mortgage or insurance products. We will make sure you understand the product before you buy it.

 Our duties to you

We will only recommend products which most closely fit your needs.
We will not recommend products based on how much money they will make us, but on how suitable they are for you.

We will only recommend products which you can afford.
We will not sell you a product if we do not think you can realistically keep up with the payments.

We will make it easy for you to complain if you are not happy.
We encourage all customers to give us feedback, whether it is good or bad. We want to be the best we possibly can be and can only improve if you tell us when we get it wrong.