about our services

Loans4 Limited

Fairgate House, Kings Road, Birmingham. B11 2AA

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?

Insurance
	We only offer products from a limited number of non-investment insurance contracts. Ask us for a list of the insurers we offer insurance from.
Mortgages
	We offer mortgages from the whole market.

3. Which service will we provide you with?
Insurance
	You will not receive advice or a recommendation from us for non-investment insurance contracts. 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
	You 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
	No fee for services provided for non-investment insurance contracts.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
Mortgages

We normally charge a fee of £750 but it may vary dependant on the complexity of sourcing your loan, whatever the fee is, it will only be charged on completion of your loan.

You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.

Refund of fees If we charge you a fee, and your mortgage does not go ahead, you will receive:
	A full refund if the lender rejects your application. No refund if the loan is approved by the mortgage lender.

5. Who regulates us?

Loans4 Limited, Fairgate House, Kings Road, Birmingham. B11 2AA is authorised and regulated by the Financial Services Authority. Our FSA Register number is 446172.

Our permitted business is Mortgages and general insurance (non-investment).

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 606 1234.

6. What to do if you have a complaint

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

In writing: Write to: The Complaints Manager, Loans4, Fairgate House, Kings Road, Birmingham. B11 2AA

By phone: Telephone 0870 443 6455

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 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

Mortgages
	Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.
Further information about compensation scheme arrangements is available from the FSCS.

PRINT