Privacy & Terms

Copyright Notice
This website and its content is copyright of Mortgage Warehouse Corporation Ltd © Mortgage Warehouse Corporation Ltd 2006. All rights reserved. Any redistribution or reproduction of part or all of the contents in any form is prohibited.

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

Disclaimer
The information available on this site is only intended to provide general and preliminary guidance on the matters and issues to which it relates, and;

Terms of Use
 By accessing this website and continuing to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy, copyright notice and disclaimers govern Mortgage Warehouse Corporation's relationship with you in relation to this website. If you are not in agreement with these, or if you are under 18 years of age, please do not use our website.

Terms of Business General
Mortgage Warehouse Corporation Ltd is a trading name of Mortgage Warehouse Corporation Ltd, registered in England No. 05880535. Mortgage Warehouse Corporation Ltd 's Registered Office is: 86 Edgehill Road, Chislehurst, Kent. BR7 6LB.

Mortgage Warehouse Corporation Ltd is authorised and regulated by the Financial Services Authority (FSA reg. 458224).

Mortgage Warehouse Corporation Ltd trading as Mortgage Warehouse Corporation Ltd offer(s) a range of financial planning services. This Terms of Business sets out: the general terms and conditions that apply; how we perform these services; and our charges.

We shall conduct our relationship with you at all times in accordance with these terms of business. We shall be entitled to any fees or commissions under these terms of business once you have consented to them, subject to any rights you may have to cancel the agreement.

In these Terms of Business references "we" "us" and "our" shall mean Mortgage Warehouse Corporation Ltd as providers of this service. References to "you" and "your" means you as the recipient of this service

Regulatory Status
Mortgage Warehouse Corporation Ltd is authorised and regulated by the Financial Services Authority (FSA reg. 458224).

The Financial Services Authority is the principle regulatory body for Financial Services in the UK. They can be contacted at The Financial Services Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS. Tel: 020 7066 1000 - Or by visiting their website http://www.fsa.gov.uk

The FSA does not regulate credit cards, unsecured and personal loans, but to let mortgages or some investment mortgage contracts.

Mortgages
Mortgage Warehouse Corporation Ltd arranges mortgages from the "whole of market"

These terms of business should be read in conjunction with the "Guide to Buying your Home" section of the website - which provides further information regarding mortgages

Non-investment insurance
Mortgage Warehouse Corporation Ltd arranges non-investment insurance contracts* from a limited number of insurance providers.

* Non investment contracts are insurance policies that only pay out on death, incapacity or injury, sickness and infirmity. A plan that has a term of more than 10 years and ends after the life insured is 70 years old is not a non-investment contract.

We only transact policies from a restricted list of companies that we have assessed as being financially strong.

We do not provide any Insurance Policy that relies on investment returns to do its job. We do not provide any policy that would require the claimant to make investments for it to achieve its purpose.

We do not normally provide plans that extend beyond the term of the mortgage or into retirement. We will carry out any instructions you give us to effect such contracts.

For purposes of arranging building and contents cover we will source a suitable policy from a limited number of insurance providers

Remuneration
Mortgage Warehouse Corporation Ltd may receive a procuration fee from Mortgage lenders. We will confirm the amount to you in writing before you take out your mortgage. Any fees payable by you, in connection with your new mortgage, will be shown on each product illustration. Please note that these fees exclude any legal fees you may have to pay and we recommend that you ascertain what these fees may be prior to taking out your mortgage.

Unless agreed otherwise, we will derive our other income from commission paid to us by the companies with which we place your business.

Cancellation
Where these terms of business are given in respect of a "distance contract", that is services provided: though our on line website or by phone.

You may have the right to cancel your contract prior to the submission of your application to the lender.

Your rights of cancellation will take effect from the date the contract with Mortgage Warehouse Corporation Ltd is concluded or the day you receive contractual terms and conditions in a durable form and be effective for 14 days after this date.

To cancel, you can email us or write to us (see contact us for details)

Mortgage Warehouse Corporation Ltd will not make any charge or apply a penalty if you cancel the contract. You must pay for any transactions initiated prior to termination at your express request and a due proportion of any fees applicable.

Termination
Subject to the above, you or we, may terminate this agreement at any time, without notice period.

Notice of termination by you must be given in writing to our head office. The agreement will terminate upon our receipt of such notice. Proof of posting will not constitute proof of delivery.

Notice of termination by us must be given in writing to you. We will normally send such notice by post to your last known address.

Termination of the agreement is without prejudice to the completion of any transactions initiated prior to receipt of such notice. Existing policies, investments and loans will be unaffected.

These terms of business will automatically terminate should you die.

These terms of business have no minimum period during which they must remain applicable.

Communication
At our discretion and unless we hear from you to the contrary we may email, text or telephone you from time to time between the hours of 9am to 9pm without your further prior consent to such contact. We will not do so for the purpose of qualifying credit promotions unless you have expressly given us permission to do so, or you are an established existing customer.

Mortgage Warehouse Corporation Ltd will send you marketing email and text updates on our products and services, according to the information you provide at the point of registration. You will be given the opportunity and instructions on how to unsubscribe from these emails when you register and on each marketing email we send to you.

All cheques, documents of title etc will be sent by post to your last known address and shall be sent at your own risk. We will not be responsible for lost documents or any consequences that may arise from any error or failure of the postal system. First class mail will normally be used.

You may communicate with us by writing, phoning or sending an email to our head office. There is no additional charge.

Compensation
If you make a valid claim against us in respect of the mortgage or insurance we arrange for you, and we are unable to meet our liabilities in full, you may be entitled to redress from the Financial Services Compensation Scheme; details of the cover provided by the Scheme are available on request. Further information is available from the FSA and the Financial Services Compensation Scheme.

Verifying identity We are required to verify your identify in accordance with the Criminal Justice Act 1993 and the Money Laundering Regulations. This will be required at the outset of our dealings with you and we will not submit an application for a mortgage or term assurance policy of other financial product until such verification has been obtained.

Your policies and legal documents
All policies will be registered in your name unless otherwise agreed in writing. Unless you instruct us in writing to the contrary, we will forward to you all documents showing ownership of your policies as soon as practicable after we receive them.

Where a number of documents of title are involved we will await arrival of all of them before sending them to you.

Your money
We do not handle client money in respect of Life Assurance. We cannot accept any cheques payable to ourselves, or cash; the only exception relates to fees, as described above.

Law The law governing this agreement both before and after completion is the law of England and Wales. We normally require our clients to give us instructions in writing, to avoid possible disputes, but we shall be entitled, at our sole discretion, to act upon your oral instructions. We can refuse your instructions at our discretion.

We may vary the terms of this agreement by writing to you at your last know address. Proof of delivery to this address will constitute proof of notice being served.

These terms of business represent our understanding of the law and our terms of business as at June 2006.

Language
The contract is in English and communication between us will be in English.

Tax Other taxes or costs may exist which are not paid through us or imposed by us.

Data Protection Act
The information you provide will be used by the Lender (the Data Controller) for the purposes of processing your application, managing your account, risk assessment and, where appropriate, fraud prevention. Where necessary information may be disclosed to service providers, agents regulatory bodies and auditors of the Lender

In considering your application lenders will search your record with Credit Reference Agencies, who will add to your record details of the search. Details of the search will be seen by other organisations to who you submit an application. Both lenders and

Credit Reference Agencies use credit scoring methods to assess your application. It is important that the information you provide is accurate as checks about you and other members of your household may be carried out with Fraud Prevention Agencies, to trace debtors, recover debt, prevent money laundering and fraud.

Lenders, Credit Reference Agencies and Fraud Prevention Agencies may also use your information for statistical analysis about credit, and insurance fraud. For marketing purposes, the Lender and associated companies of the Lender would like to keep you informed of goods and services which may be of interest to you. To do this they may contact you by mail, telephone, e-mail or fax. If you do not wish to be contacted for marketing purposes please tick the box on the mortgage application.

Where necessary the Lender will need to collect personal data which the Data Protection Act 1998 defines as sensitive data, such as health data. By providing this you signify your consent to such information being processed by the Lender and its service providers and its agents. You also consent to the transfer of your data abroad where this is necessary.

You have the right to ask for a copy of your information (subject to the payment of a fee) and to ask for any inaccuracies to be corrected.

Third Party Data
Information held about you by the Credit Reference agencies may already be linked to records relating to one or more of your partners.

For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records unless you chose to opt out. Where it is available you may choose to opt out by ticking a box on the application form.

Complaints
We always aim to provide excellent customer service and when that doesn't happen we want to know why. Listening to you and learning from what you have to say will help us get it right next time, and we need your help to do this.

We have a formal complaint procedure, which is outlined below:

Initially:
Please either:- Discuss your concerns with our staff at over the telephone or face to face at our offices. Write to us at our address below. We will acknowledge your letter by close of business the following day and provide you with a contact name and expected date of reply. Mortgage Warehouse Corporation Ltd, P O Box 176, Westerham, Kent. TN16 9AS. Our contact details are available via our website page.

Reviewing our decision:
If we don't resolve the problem to your satisfaction you can then ask for an independent review which will be carried out by a Company Director.

Final Review:
If, for whatever reason, you still do not accept our decision you can then refer your case to the appropriate Ombudsman or Arbitrator.

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR - Phone: 0845 080 1800 - Fax: 020 7964 1001 - Email:enquiries@financial-ombudsman.org.uk

Mortgage Warehouse Corporation Ltd is authorised and regulated by the Financial Services Authority (FSA reg. 458224).

Registered Office: 86 Edgehill Road, Chislehurst, Kent. BR7 6LB
Registered in England No: 05880535

The FSA does not regulate some investment mortgage contracts, these are regulated by the Consumer Credit Act (CCA).

Calls may be recorded for training and monitoring. Loans subject to status, type and value of property. Insurance may be required. Minimum age 18. This site is only directed at persons within the UK.