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Initial Disclosure

Key facts about our services

1. The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?

Insurance

tick We offer products from a range of insurers for:
Level and Decreasing Term Assurance
Income Protection

tick We only offer products from a limited number of insurers for:

tick off We only offer products from a single insurer.

Mortgage

tick We offer mortgages from the whole of the market.

tick off We only offer mortgages from a limited number of lenders.

tick off We only offer mortgages from a single lender.

3. Which service will we provide you with?

Insurance

tick We will advise and make a recommendation for you after we have assessed your needs for:
Level and Decreasing Term Assurance
Income Protection

tick off You will not receive advice or a recommendation from us in respect of General Insurance Products including Building and Contents Insurance and Accident Sickness and Unemployment cover

Mortgage

tick We will advise and make a recommendation for you after we have assessed your needs.

tick off You will not receive advice or a recommendation from us.
We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

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

Insurance

tick off A fee

tick No fee
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

Mortgage

tick No fee
We will be paid commission by the lender. As we do not charge a fee there are no refunds applicable..

tick off A fee at consultation

tick off A fee when you apply for your mortgage

tick off A fee when your mortgage is offered

tick off A fee when your mortgage completes
You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.

5. Who regulates us?

Maison Financial Services is authorised and regulated by the Financial Conduct Authority. Our FCA register number is 313097.

Maison Financial Services's permitted business is advising on and arranging (bringing about) mortgages and non-investment insurance contracts.

You can check this on the FCA's Register by visiting the FCA's website http://www.fca.org.uk/ or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:

In writing; Write to Maison Financial Services, 3-5 Wormalds Yard, King Street, Huddersfield HD1 2QR
By phone; Telephone -01484 430805

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 (FSCS)

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 100% of the first 2,000 and 90% of the remainder of the claim, without any upper limit.

Mortgage advising and arranging is covered for 100% of the first 30,000 and 90% of the next 20,000 so the maximum compensation is 48,000

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

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