Terms of Business

1. About Us

Lynton Mortgages is a trading name of Just Mortgages Direct Limited. We provide mortgage advice and related services to individuals seeking to purchase property or remortgage their existing home.

Regulatory Status: Just Mortgages Direct Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority (FCA).

Company Details:
Just Mortgages Direct Limited
Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD
Registered in England No. 2412345

2. Our Services

We offer the following services:

• Mortgage advice: We provide advice and recommendations on mortgage products from a comprehensive range of lenders
• Protection advice: We can advise on life insurance, critical illness cover, income protection, and buildings/contents insurance
• Application support: We handle the mortgage application process on your behalf, liaising with lenders, solicitors, and other parties

3. Whose Products Do We Offer?

Mortgages: We offer mortgages from a comprehensive range of lenders across the market. This means we can search a wide panel of lenders to find products that may be suitable for your circumstances.

Protection: We offer protection products from a range of insurers. We will make a recommendation based on your needs and circumstances.

We do not charge a fee for standard mortgage advice. We receive commission from lenders when a mortgage completes. For complex cases, we may charge a fee which will be discussed and agreed with you in advance.

4. Our Fees

Any fees payable will be confirmed in writing before you commit to using our services. Fees are typically payable on mortgage completion.

5. What You Need to Know

6. Your Responsibilities

To enable us to provide you with suitable advice, you agree to:

• Provide accurate and complete information about your circumstances
• Inform us promptly of any changes to your situation
• Provide documentation we request in a timely manner
• Read all documents we provide and ask questions if anything is unclear
• Make mortgage payments on time once your mortgage completes

7. Confidentiality and Data Protection

We treat all information you provide as confidential. We will only share your information with third parties where necessary to provide our services (such as lenders and solicitors) or where required by law.

For full details of how we handle your personal data, please see our Privacy Policy.

8. Conflicts of Interest

We are committed to treating you fairly and acting in your best interests. If we become aware of any conflict of interest, we will disclose this to you and take appropriate steps to manage it.

9. Complaints

We aim to provide excellent service, but if you are unhappy with any aspect of our service, please let us know. We have a formal complaints procedure:

1. Contact us first: Please raise your concern with Rob Gillespie at [email protected] or 07960 985 989
2. We will investigate: We will acknowledge your complaint within 5 business days and aim to resolve it within 8 weeks
3. If you remain dissatisfied: You may refer your complaint to the Financial Ombudsman Service

Financial Ombudsman Service
Exchange Tower, London, E14 9SR
Phone: 0800 023 4567
Website: www.financial-ombudsman.org.uk

10. Compensation

We are covered by the Financial Services Compensation Scheme (FSCS). If we cannot meet our obligations, you may be entitled to compensation. Most types of investment business are covered up to £85,000. For mortgages, the FSCS does not cover poor advice but may cover losses if we fail to return money or documents.

Financial Services Compensation Scheme
Website: www.fscs.org.uk
Phone: 0800 678 1100

11. Law and Jurisdiction

These terms of business are governed by English law and any disputes will be subject to the exclusive jurisdiction of the English courts.

12. Contact Us

If you have any questions about these terms or our services, please contact us:

Rob Gillespie
Lynton Mortgages
Email: [email protected]
Phone: 07960 985 989