DECLARATION

All the details on this form are true and not misleading.

I / we understand that this loan will be secured against my / our property.

TERMS AND CONDITIONS

All the information you give us will be processed in accordance with the Data Protection Act 1998 and will be treated as private and confidential now and in the future.

The only exception to this will be when the law requires us to disclose information or, with your consent, where disclosure is necessary when arranging a secured loan.

To fulfil our legal obligations we will retain copies of your records for no longer than is necessary or for the duration of the contract.

You will have the right to inspect these records at any time, and the Client Agreement we send will allow you to opt out of further contact from us should you wish to do so.

We offer first and second charge regulated mortgage contracts for business or personal use.

You should be aware that there may be other finance options available to you such as a remortgage, a further advance with your first charge lender, or an unsecured loan.

Whose Products will be Offered

We are a broker using a representative panel of lenders who specialise in second charge mortgages.

We are a broker using a limited number of lenders for first charge mortgage products. We can provide you with a list of these lenders on request.

Which Service will be Provided

We provide an advised mortgage broking service.

We will be providing you with sufficient information in relation to the mortgage we offer you in order for you to make an informed borrowing decision, but if you are in any doubt, you should seek independent financial advice as we only offer a limited range of products and as we are not independent financial advisors. Free sources of debt advice are available from the Money Advice Service.

What if my loan application is not accepted?

Sometimes we may not be able to find a lender for you. This may be for a number of reasons. The lender may think you cannot afford the loan. If it is a secured loan, your property may not be of sufficient value.

A lender does not have to tell us or you exactly why you have been refused a loan, but they should give an indication of whether data from the credit reference agency contributed to the decision. You can ask us for the name and address of any credit reference agency used and they will supply this information free of charge.

The credit reference agency we use across our lender is;

Equifax Plc
Credit File Centre
PO Box 1140
Bradford
West Yorkshire
BD1 5US

www.myequifax.co.uk

If at any stage you felt you wished to make a complaint about us you will have the details of where you would need to write to do so. And if your complaint couldn’t be settled by Improve Finance, you may be entitled to refer to the Financial Ombudsman Service.