Keyfacts about our service

keyfacts_low.gif about our services and costs London & Country Mortgages Ltd
Beazer House
Lower Bristol Road
Bath
BA2 3BA
1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.
2. Whose products do we offer?
Insurance
Term Assurance and Income Protection Insurance
boxwithtick.gifWe offer products from a range of insurers for term assurance and income protection policies.
box.gifWe only offer products from a limited number of insurers for term assurance and income protection policies.
box.gifWe only offer products from a single insurer for term assurance and income protection policies.
Home Insurance
box.gifWe offer products from a range of insurers for Home Insurance.
box.gifWe only offer products from a limited number of insurers for Home Insurance.
boxwithtick.gifWe only offer products from Legal and General for Home Insurance.
Mortgage Payment Protection Insurance
box.gifWe offer products from a range of insurers for Mortgage Payment Protection policies.
box.gifWe only offer products from a limited number of insurers for Mortgage Payment Protection policies.
boxwithtick.gifWe only offer products from Pinnacle Insurance plc. for Mortgage Payment Protection policies.
Buyer Protection Insurance
box.gifWe offer products from a range of insurers for Buyer Protection Insurance policies.
box.gifWe only offer products from a limited number of insurers for Buyer Protection Insurance policies.
boxwithtick.gifWe only offer a product from Ageas Insurance Limited Insurance Limited for Buyer Protection Insurance.
Mortgages
boxwithtick.gifWe offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. Our advice is limited to 1st charge mortgages and does not include 2nd charge loans or bridging finance
box.gifWe only offer mortgages from a limited number of lenders.
box.gifWe only offer mortgages from a single lender.
3. Which Service will we provide you with?
Insurance
boxwithtick.gifWe will advise and make recommendation for you after we have assessed your needs for term assurance, income protection policies, Mortgage Payment Protection Insurance and Home Insurance.
box.gifYou will not receive advice or a recommendation from us for term assurance, income protection policies Mortgage Payment Protection Insurance and Home Insurance. We may ask some questions to narrow down the selection of products that we provide details on. You will then need to make your own choice about how to proceed.
box.gifWe will advise and make recommendation for you after we have assessed your needs for Buyer Protection Insurance.
boxwithtick.gifYou will not receive advice or a recommendation from us for Buyer Protection Insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
Mortgages
boxwithtick.gifWe will advise and make a recommendation for you on mortgages after we have assessed your needs.
box.gifYou will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of mortgages that we will provide details on. You will then need to make your own choice about how to proceed.
4. What will you have to pay us for our services?
Insurance
box.gifA fee.
boxwithtick.gifNo fee as we will be paid a commission by the insurer.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
Mortgages
box.gifA fee of £nil payable at the outset and £nil payable when you apply for a mortgage.
boxwithtick.gifNo fee. We will be paid a commission directly by the lender.
You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.
5. Who regulates us?
London & Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 143002. Our permitted business includes advising on and arranging mortgages and non-investment insurance contracts. You can check this on the Financial Services Register by visiting the FCA's website: wwww.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.
6. What to do if you have a complaint

If you wish to register a complaint, please contact us:

...in writing: write to London & Country Mortgages Ltd, Complaints Department, Beazer House,
Lower Bristol Road, Bath BA2 3BA

...by phone: telephone 01225 408000

If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.

7. 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.

Insurance: insurance advising and arranging is covered for 90% of the claim, without any upper limit.
Mortgage: mortgage advising and arranging is covered up to a maximum limit of £50,000.

Further information about the compensation scheme arrangements is available from the FSCS.