Initial Disclosure Document

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers considering buying certain financial products. Use this information to decide if our services are right for you.

2. Whose products do we offer?

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

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs and circumstances. Our recommendation will be confirmed to you in writing.

4. What will you have to pay us for our services?

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.

You will receive a Key Facts Illustration or European Standardised Information Sheet when considering a particular mortgage, which will tell you about any fees relating to it.

5. Who regulates us?

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

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

6. What to do if you have a complaint

Contact us at hello@apexmortgages.co.uk or 1 Kingsway, London WC2B 6AN, United Kingdom. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme?

Yes. Mortgage advising and arranging is covered for 100% of the first £85,000 per eligible claimant. Further information is available from the FSCS at fscs.org.uk.