The Mortgage Geezer is a trading style of Access Financial Services which is authorised and regulated by the Financial Conduct Authority. Financial Services Register number is 301173. 

You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768. 

The FCA is the independent watchdog that regulates financial services. Use this disclosure document to decide if our services our right for you. It explains the service we offer and how you will pay for it. 

Our Service 

Our service and permitted business includes advising and arranging mortgages and insurance products as stated below: 

Insurance 
We offer products from a range of insurers for non-investment contracts, such as Life Insurance, Critical Illness Cover, Income Protection and Family Protection Plans. 

We only offer products from a limited number of insurers for Accident Sickness & Unemployment contracts and Building and Contents insurance contracts. 

We will advise and make a recommendation to you after we have assessed your insurance needs. 

Mortgages 
We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a Lender. 

We will advise and make a recommendation to you on residential mortgages, second charge, further advances, unsecured lending, consumer buy to lets, after we have assessed your needs. 

Alternative Finance Option 
Further advance with your existing Lender; Note: If you are looking to increase your borrowing on an existing mortgage then there are a few options available to you, including: 

• Second charge regulated mortgage; 

• Unsecured lending, such as a personal loan. 

We provide advice on all of the above and will take into account all options available before making a recommendation on the most suitable route. 

Service Costs 

Insurance 
We do not charge a fee for our service as we are paid commission from the Insurer. 

You will receive a quotation from us informing you of any other fees relating to the insurance policy. 

Mortgages 
We will charge a fee of £495 for the straightforward mortgage application and up to £1495 for the more complex cases. We will also receive commission from the Lender. 

You will receive a European Standardised Information Sheet (ESIS) when considering a particular mortgage which will tell you about any fees relating to it. It will also include the actual amount of commission we will receive. 

Complaints 

We have a full complaints handling process. You can download a PDF file detailing that process HERE.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service  ( www.financial-ombudsman.org.uk ). That process is also detailed in the same document.

Financial Services Compensation Scheme 

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 advising and arranging is covered for 90% of the claim, without any upper limit. 

• Mortgage advising and arranging is covered up to a maximum limit of £50,000. 

Further information about the compensation scheme arrangements is available from the FSCS.

Privacy Policy

You can read our privacy policy by clicking HERE

You can download our privacy policy as a PDF file by clicking HERE.

Vulnerable Clients Policy 

We have a vulnerable clients policy. You can download a PDF file detailing that policy HERE.

How to contact us 
If you wish to contact us about the above or any other matter, then please contact us at: 

The Mortgage Geezer, 67 Foster Road, Kempston, Bedfordshire, MK42 8BT 
Tel: 01234 923603 
Email: contact@themortgagegeezer.co.uk