INSURANCE We offer products from a range of insurers for a range of non-investment insurance products. Ask us for a list of products we offer. MORTGAGES We offer products in the following ‘relevant market’: Regulated mortgage contracts that are used for a non-business purpose. We   offer   a   comprehensive   range   of   first   charge   mortgages   (but   not   deals   you   can   only   obtain   by   going   direct to a lender). Please refer to the attached document for a full list of the lenders whose mortgages we offer. We do not offer advice on second charge mortgages but we can refer you to a broker if you wish Please   note   that,   where   you   are   increasing   your   mortgage   borrowing   although   we   do   not   (or   are   unable   to) advise on the following finance options these may be available to you and be more appropriate:- A second charge mortgage An unsecured loan
33 The Old Wharf Oreston Plymouth PL9 7NP
Save On Limited
about our services
You should use the information provided within this document to decide if our services are right for you.
INSURANCE We will advise and make a recommendation for you after we have assessed your needs for all non- investment insurance products. We do not provide any advice on Buildings and Contents Insurance. MORTGAGES We offer an ‘advised’ sales service This means we will provide advice and make a recommendation for you after we have assessed your specific needs and circumstances.
INSURANCE You will pay for our services on the basis of: No   fee   for   advising   on   non-investment   insurance   contracts   /   arranging   a   non-investment   insurance   contract. We will be paid by commission from the insurer. You   will   receive   a   quotation   which   will   tell   you   about   any   other   fees   relating   to   any   particular   insurance policy. MORTGAGES You will pay for our services on the basis of: Advised sales No fee. We will be paid by commission from the lender. The   exact   amount   of   commission   we   will   receive   is   not   known   to   us   at   this   stage.   We   will   confirm   the   actual amount to you as part of the lending illustration we are required to obtain from the lender. You   will   receive   a   key   facts   illustration   /   ESIS   when   considering   a   particular   mortgage,   which   will   tell   you about any fees relating to that mortgage. You also have the right to request an illustration / ESIS for any mortgage we offer.
We are authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is 301774. Our permitted business is: Advising on non-investment insurance and regulated mortgage contracts; Arranging (bringing about) non-investment insurance and regulated mortgage contacts; and Making arrangements with a view to non-investment insurance and regulated mortgage contracts. You can check this on the Financial Services Register by visiting the FCA’s website: or by contacting the FCA on 0800 111 6768 (Freephone) from 8am and 6pm, Monday to Friday (except public holidays) and 9am to 1pm, Saturdays.
If you wish to register a complaint, please contact us: … in writing  Mark Lenthall, Save On Mortgages, 33 The Old Wharf, Oreston, Plymouth, PL9 7NP  ... by e-mail … by phone  Telephone 01752 408040 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
We   are   covered   by   the   FSCS.   You   may   be   entitled   to   compensation   from   the   scheme   if   we   cannot   meet our obligations. This will depend on the type of business and the circumstances of the claim. INSURANCE Long term insurance benefits (e.g. Life Assurance) The   maximum   level   of   compensation   for   claims   against   firms   declared   in   default   is   100%   of   the   claim   with no upper limit. General Insurance General insurance advice and arranging is covered for 90% of the claim with no upper limit. Protection   is   at   100%   where   claims   arise   in   respect   of   compulsory   insurance   (e.g.   employer’s   liability insurance),   professional   indemnity   insurance   and   certain   claims   for   injury,   sickness   or   infirmity   of   the policyholder. Protection is at 90% where claims arise under other types of policy with no upper limit. MORTGAGES Mortgage advising and arranging is covered up to a maximum limit of £50,000. Further information about compensation scheme arrangements is available from the FSCS. This   document   confirms   the   services   offered   by   Save   On   Mortgages   and   our   charges   for   those   services and forms the basis upon which our recommendations will be made. For   your   own   benefit   and   protection   you   should   read   this   document   carefully.   If   you   do   not   understand   any point, please ask for further information.
All quotes are free and you are under no obligation to proceed further Whatever we do for you, we will not charge YOU a fee for our services ! Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Authorised and regulated by the Financial Conduct Authority, Save On Limited
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