The fee is non refundable once the Key Facts Document has been issued regardless of whether you decide to apply to the recommended lender or if you are declined by the recommended lender. However, in these instances, we will provide further recommendations free of charge until your application is accepted by a lender unless you have undisclosed adverse information registered against you and then our standard fee of £495 on completion of the mortgage (less the £99 fee already paid) is charged.
A refund of the advice fee paid will only be given if the recommended lender subsequently pays a ‘procuration fee’ to Mosaic Mortgage Management Limited in recognition of introducing you as a client to the chosen lender. However, in this instance we will advise you at the outset of the advice process and this will be clearly stated within the Key Facts Illustration sent to you within our recommendation report. (This may occur if the original recommended lender declines your application and you are subsequently successfully placed on an Intermdiary exclusive product)
The advice fee of £99 covers the cost of the factfinding process (in which we will determine your specific requirements for the mortgage), our expert advice in the sourcing of the whole of the mortgage market & our recommendation of a product specific to your particular requirements. The sourcing includes exclusive intermediary only products, direct to lender via branch, web & telephone only applications. You will recieve a written recommendation from a mortgage broker directly authorised and regulated by The Financial Services Authority and this will give you the protection of the Financial Ombudsman Service and The Financial Services Compensation Scheme.
Our Commitment To Privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.
The Information We Collect:
This notice applies to all information collected or submitted on this website. On some pages, you can order services/products, make requests, and register to receive materials. The types of personal information collected at these pages are:
Name
Address
Email address
Phone number
The Information We DONT Collect:
Credit/Debit Card Information
The Way We Use Information:
We use the information you provide about yourself when placing an order only to complete that order. We do not share this information with outside parties except to the extent necessary to complete that order.
We use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties.
Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.
Our Commitment To Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
Our Commitment To Children’s Privacy:
Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our website from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.
How You Can Access Or Correct Your Information
You can access all your personally identifiable information that we collect online and maintain by calling us or sending us an email.. We use this procedure to better safeguard your information.
You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error.
To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.
How To Contact Us
Should you have other questions or concerns about these privacy policies, please contact us.