Solution Mortgages
20 May 2018
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Solution Mortgages Limited. Registered Office is Somerford Business Court, Holmes Chapel Road, Congleton, Cheshire. CW12 4SN. Registered in England and Wales: 01597729.

1. The Financial Services Authority (FCA)

The FCA is the independent watchdog that regulates financial services. It requires us to give you information about our services and fees. Use this information to decide if our services are right for you.

2 . Whose mortgages do we offer?

We only offer mortgages from a limited number of lenders, a copy of which is available on request.

3 . Which service will we provide you with?

We will not provide you with advice or a recommendation but will ask you questions to establish which products to provide you with details on.

4 . What will you have to pay us for this service?

Solution Mortgages Limited may charge a fee for arranging your mortgage or remortgage. The average fee is normally £1,795 which will usually include all survey costs. These fees are negotiable. We will not charge any fees or receive any commission if your mortgage does not complete. You will receive a key facts illustration which will tell you about any fees relating to the mortgage arranged through us.

5 . Refund of fees

We will refund any upfront fees ie valuation fee if we have not begun processing your application. We only charge a broker fee if your mortgage completes.

6 . Who regulates us?

Solution Mortgages Limited is authorised and regulated by the Financial Services Authority. Our FCA number is 114373. Our permitted business is advising on and arranging mortgages and non-investment mortgage protection insurance products. You can check this on the FCA's Register by visiting the FCA's website. Follow this link to open the site in a new window or by contacting the FCA on 0845 606 1234.

7 . What to do if you have a complaint

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

In writing to:

Solution Mortgages Limited
Complaints Department
Somerford Business Court
Holmes Chapel Road
CW12 4SN

By phone
Telephone: 0845 123 1260

If you cannot settle your complaint with us, you may be entitled to refer it The Financial Ombudsman Service.

8 . 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.

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 the compensation scheme arrangements is available from the FSCS.


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Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.