Terms of Business

Our Initial Disclosure Document

About Our Mortgage Services
KIS financial solutions
111 Bramston Street
Brighouse
HD6 3AQ
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1. The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. It requires us to provide you
with key messages about our firm's services. Use this information to decide if our services are right for
you.
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2. Whose products do we offer?
☒ We offer mortgages, equity release & Lifetime Mortgages from the whole market.
☐ We only offer mortgages from a limited number of lenders. The lenders are reviewed from time
to time to ensure they meet the needs of our clients. If we cannot find a suitable product from
these then we have access to other lenders in the market. Ask us for a list of the lenders we
offer mortgages from.
☐ We only offer mortgages from a single lender.
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3. Which service will we provide you with?
☒ We will advise and make a recommendation for you after we have assessed your needs.
☐ We are providing an 'Execution Only' service, and therefore, you will not receive any
recommendation from us.
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4. What will you have to pay us for this service?
☒ No fee will be charged. We will, however, be paid by commission from the lender.
☐ A fee of 0.00 payable at the outset and 0.00 payable when you apply for a mortgage. We will
also be paid commission from the lender.
☐ An upfront fee of 0.00 and we will refund to you any commission that we get paid by the
mortgage lender.
☐ A fee of 0.00 payable if the mortgage completes.
You will receive a key facts illustration when considering a particular mortgage which will tell you about
any fees relating to it.
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5. 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.
☐ A refund of 0.00 if the transaction fails to complete.
☐ No refund if you decide not to take out a mortgage.
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6. Who regulates us?
KIS financial solutions is authorised and regulated by the Financial Conduct Authority. Our FCA
register number is 302556.
KIS financial solutions's permitted business is advising on and administering mortgages.
You can check this on the FCA's Register by visiting the FCA's website www.fca.org.uk/register/ or by
contacting the FCA on 0800 111 6768.
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7. What to do if you have a complaint
If you wish to register a complaint, please contact us:
... in writing 111 Bramston Street, Brighouse, HD6 3AQ
... by phone 01484 605931
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman
Service.
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8. 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.
Mortgage advising and arranging is covered for up to £50,000.
Further information about compensation scheme arrangements is available from the FSCS.

V8.0
April 2019

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