What we provide.

The service we provide is on a Non Advised basis. We carry out the entire process of arranging your mortgage. We do not provide mortgage advice, we do not recommend that you take out a particular mortgage. We provide information on one or more mortgages to enable you to make an informed choice. We do not accept you as a client if we cannot arrange the mortgage you require.

Whose mortgages do we offer?

The mortgages we arrange are from the whole of the market for shared ownership mortgages. This includes mainstream and specialist lenders.

Customer Mortgage Acceptance

Based on the information you have provided in our enquiry form, an affordability assessment and a match to the lender's criteria we provide you with a Customer Mortgage Acceptance. This is not a decision nor a mortgage offer but a confirmation that you meet the lender's criteria.

What  will you have to pay us for this service?

We will charge you an arrangement fee of £695 for arranging your mortgage and processing the application to a mortgage offer. All fees must be paid by credit or debit card. This fee is not charged if your application is declined by a lender. The fee is payable when your mortgage offer is issued. Some mortgages allow for the fee to be added we will advise you if this is the case in the KeyFacts illustration
We may receive a commission from a lender we place your mortgage with. This will be clearly shown in the keyfacts illustration(s).

Up-front fees

We do not charge up front fees before you have decided to go ahead with a full application. An application fee which includes the cost of a mortgage valuation will be required when you complete our full application form.

Confidentiality

We will treat all your personal information as private and confidential (even when you are no longer a customer) except where we are permitted by Law or where disclosure is made at your request or with your consent in relation to arranging your mortgage. You have the right of access under the Data protection Act 1998 to your personal records held on our files.
Please note that to obtain an agreement in principle from a lender this will require a full credit search. This search may also reveal persons linked to your address and a search may leave a footprint on your credit file and possibly any person or persons linked to you or your address. For us to assess your enquiry if you inform us you have an adverse credit history we will search the register of county court judgments before we match your enquiry to one or more products. By completing the enquiry form you automatically agree to this.
By submitting an enquiry to Tricon Limited or e-mortgage-uk you accept all the above conditions.

What to do if you have a complaint

We aim to provide you with a first class professional and confidential service. We have internal procedures for handling complaints fairly and promptly and should a complaint arise you should contact our  Compliance Officer at Tricon Ltd. PO Box 8 Abingdon, Oxon. OX14 4GT or telephone 01235 521557.Thereafter should the complaint not be resolved to your satisfaction we will assist you in resolving it by referring it to the Financial Ombudsman Service scheme of which we are members.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

Yes we are. In the event that you may be entitled to compensation for loss and the firm cannot meets its obligations the FSCS will provide a certain level of compensation. You may find further details about the FSCS at www.fscs.org.uk

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Tricon Ltd