About our services and costs

What products do we offer?

• We offer a wide range of mortgages and loans secured on the property(s) including buy-to-let mortgages, Commerical Mortgages, Bridging loans and Property Development loans.
• We offer mortgages and loans from a panel of lenders. Ask us for a list of lenders we offer from.
• We will advise and make recommendations for you after we have assessed your needs.

What will you have to pay us for our services?

• Our fees will vary depending on the type, amount and complexity of each enquiry. You will be provided with a specific fee quote at the time of enquiry.
• We may receive commission from the lender as well as receiving fees separately from you. For the avoidance of doubt these sums are subject to the terms of our arrangements with the lender who pays that commission.
• The amount of this commission will be disclosed in the lender’s mortgage/loan offer.

Who regulates us?

• 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 entering into certain financial products, to decide if our services are right for you.
• Advocate Finance Limited, registered at 55 Crown Street, Brentwood, CM14 4BD. Company Register number is 05579380. Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is 592830. You can check via www.register.fca.org.
• Advocate Finance Ltd is a member of the National Association of Commercial Finance Brokers (NACFB). We adopt a strict Code of Practice and Minimum Standards set by the Association. You can check Our membership status by contacting the NACFB on the link above.

What to do if you have a complaint?

• If you wish to register a complaint, please contact us.
  In writing: Complaints Manager, Advocate Finance Ltd, Office 5 Aster House, Lanswood business park, Colchester, CO7 7FD.
  By telephone: 01206 544333
• A copy of our complaint procedure can be viewed on the link. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Contact: 0800 0234567, 0300 1239123. Website: www.financial-ombudsman.org.uk

Are we covered by the Financial Services Compensation Scheme (FSCS)?

• Your transaction may be covered by the FSCS for regulated transactions only. The FSCS is the UK’s statutory Deposit insurance and investors’ compensation scheme for customers of authorised financial services firms. FSCS exists to protect customers of financial services firms that have failed. If the company you’ve been dealing with has failed and can’t pay claims against it, the FSCS may be used to pay compensation.
• You can find out more about FSCS at www.fscs.org.uk