Advice you can hold us to

Qualifications

Sammar Khalil holds the Certificate in Mortgage Advice and Practice (CeMAP) and completes annual continuing professional development, including Consumer Duty and vulnerable customer training.

Our regulatory status

Apex Mortgage Advisory is an Appointed Representative of [Network Name], which is authorised and regulated by the Financial Conduct Authority (FCA FRN: XXXXXX).

You can verify our status on the Financial Services Register at register.fca.org.uk using the firm reference number above.

Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.

How we are paid

We typically charge a fee for mortgage advice. The exact amount depends on your circumstances; our typical fee is £499, payable on application. We will also usually receive a procuration fee from the lender.

• Lender procuration fee: typically 0.35%–0.45% of the loan amount, paid by the lender on completion. This never changes our recommendation.
• Client fee: disclosed in writing before you apply, and confirmed in your Initial Disclosure Document.

Consumer Duty

We are required to act to deliver good outcomes for retail customers. In practice that means fair value on every recommendation, communications you can genuinely understand, products matched to your needs and objectives, and extra support where you may be in vulnerable circumstances.

Complaints

If you are unhappy with our service, contact us at hello@apexmortgages.co.uk. If we cannot resolve your complaint within eight weeks you may refer it to the Financial Ombudsman Service, free of charge. We are also covered by the Financial Services Compensation Scheme.