1- Whose products do we offer?

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Insurance

 

We offer products from a range of insurers for all non-investment insurance products. Please ask us for a list of products we offer.

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Mortgages and Second Charge Loans

 

We offer products in the following “relevant markets":

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1. Regulated mortgage contracts that are used for a non-business purpose and / or

2. Regulated mortgage contracts that are used for a business purpose

 

Our advice is restricted- meaning, we can only offer mortgages / second charge loans from a limited number lenders/companies.

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Please note that, where you are increasing your mortgage borrowing, although we do not (or are unable to) advise on the following finance options, these may be available to you and be more appropriate:-

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1. A further advance from your existing lender

2. An unsecured loan

 

2- Which service will we provide you with?

 

Insurance

 

We will advise and make a recommendation for you after we have assessed your needs for Term / Life assurance, critical illness cover, income protection, Private Medical Insurance, none profit whole of life, and general insurance (including buildings and contents insurance, and payment protection insurance).

 

Mortgages / Second charge loans

 

We will advise and make a recommendation for you on mortgages / second charges, after we have assessed your needs.

 

3- What will you have to pay us for our services?

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Insurance

 

No-fee Term / Life assurance, critical illness cover, income protection, Private Medical Insurance, none profit whole of life, and general insurance (including buildings and contents insurance, and payment protection insurance).

 

​You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

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Mortgages / second charge loans

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An administration fee, to cover the initial consultation and research, is payable when you apply for a mortgage / second charge and an arrangement fee is payable once we have obtained a loan/mortgage offer from a lender.

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We will also be paid commission from the lender/company, and from the conveyancing solicitors for introducing the work to them.

 

You will receive a KFI (key facts illustration) / ESIS (European Standardised Information Sheet) when considering a particular mortgage / second charge which will tell you about any fees relating to it.

 

 

Refund of fees.  

 

If we charge you a fee, and your mortgage does not go ahead, you will receive:

 

1. A full refund if the lender rejects your application 

2. A partial refund  equal to 50% of the initial admin fee payable  if your application falls through due to non fault from both parties.  

3. No refund if you decide not to proceed. 

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4- Who regulates us?

 

Hilton Financial  Management Ltd  is authorised and regulated by the Financial Conduct Authority. FCA Register number is 775004.

 

Hilton Financial Management Ltd's  permitted business is advising and arranging on regulated mortgages and insurance.

 

You can check this on the Financial Services Register by visiting www.fsa.gov.uk/register/firmSearchForm.do or by contacting the FCA on 0800 111 6768

 

5- What to do if you have a complaint

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

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1. In writing- write to the Complaints Officer: Hilton Financial Management Ltd, 53 Grasmere Rd, Gatley, Cheadle, SK8 4RS.

2. By phone- call: 0161 225 9798.

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If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.

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6- Are we covered by the Financial Services Compensation Scheme (FSCS)?    

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We subscribe to the Financial Services Compensation Scheme. 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:

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1. Insurance- insurance advising and arranging is covered for 90% of the claim with no upper limit.

2. Home finance products mortgages and home purchase plans- advising on or arranging house purchase finance is covered for 100% of £85,000 per person.

 

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

 

Please note that the FCA does not regulate certain types of Buy to Let Mortgage.