This document outlines the services we provide. It is an important document, so please make sure you read it carefully. If you have any questions, please feel free to contact us.
You should read this document alongside our Privacy Policy.
Revolve Finance Ltd is an Appointed Representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority under registration number 649443.
Registered office: Jactin House, 24 Hood Street, Ancoats, Greater Manchester, M4 6WX. Registered in England.
We are a mortgage intermediary service and have access to a comprehensive range of mortgage products. Our service is only available to UK residents with properties registered in the UK.
As part of our service we will take time to understand your requirements and explain all parts of the mortgage journey to you. If you wish to see a full list of lenders we use, please contact your adviser.
We may charge a broker fee for the service that we provide. This will depend on individual circumstances and the product recommended. The maximum fee charged is £995.
We will tell you how much the total fee will be in good time before you apply for a mortgage, but you may ask for this information earlier.
This fee is non-refundable. We reserve the right to charge this fee at either offer stage or completion, as outlined in the IDD document at the stage of your initial enquiry. If you withdraw your mortgage application after submission to the lender, you may still be charged.
The fee can be paid from your own funds or added to the borrowing amount. If added to the borrowing amount, it will accrue interest at the same rate as your mortgage over the term.
If you choose to pay from your own funds, payment is required within 1 business day of the completion date. For remortgage applications, your conveyancer will transfer surplus funds including our fee to your account on completion day — payment is required within 1 business day.
The lender recommended may also pay us a commission for the service we provide. This will be disclosed to you before completion of your mortgage. You will receive a key facts illustration detailing any fees relating to a particular mortgage.
We will keep in regular contact and email you periodically to keep you updated on your mortgage deal. You will automatically benefit from this service on completion of your mortgage application.
If you wish to stop this service, please contact us. We may retain certain data required based on our regulatory requirements.
We will provide mortgage advice based on your personal information and circumstances; we do not provide an execution-only service. Once we have established which mortgage is most suitable, we will make a recommendation based on your preferences and circumstances.
It is your responsibility to ensure the information you provide is factual and accurate. We may need to see evidence to support your application with the lender.
We will provide you with a mortgage illustration based on our research. Please take time to read and understand this document.
Important: If we recommend a Buy-to-Let mortgage, not all Buy-to-Let mortgages are regulated by the FCA.
There are various stages to the mortgage application process when using our intermediary service. We will keep in regular contact throughout and if we are unable to assist, we will inform you at the earliest opportunity.
We may refuse to proceed with an application for the following reasons:
If applying for a purchase mortgage, it is your responsibility to provide all necessary information including solicitor, estate agent and/or conveyancer details. We may also require proof of deposit.
We may offer you alternative services including life insurance, critical illness cover, income protection, accident/sickness and unemployment insurance. We may also offer buildings and contents insurance if you require.
To advise you on the best mortgage for your circumstances, we are required to complete a fact find. We may also require documentation to support your application such as: passport, driving licence, bank statements, payslips, tax overview or accounts.
We will hold the personal information provided by you securely and in confidence. Please ensure you read our Privacy Policy so that you are aware of how we process your data.
We are committed to ensuring there is integrity within the UK mortgage market. All transactions relating to our services adhere to the Money Laundering Regulations and Proceeds of Crime Act.
We are required by the FCA to have adequate systems and controls in place to prevent the furtherance of Financial Crime.
Our priority is to offer the highest level of service. Your feedback is important and helps us understand where we can improve. If there is a problem, please let us know and we will do everything we can to resolve it straight away.
If your complaint refers to your personal data, you can find more information in our Privacy Policy.
If your complaint cannot be resolved immediately, we will acknowledge receipt in writing, confirming our understanding of your complaint, the complaint handler and giving you the opportunity to provide further information.
If you are dissatisfied with our response, you can contact the Financial Ombudsman Service — a free and independent service. You must do so within six months of our final response letter.
Website: www.financial-ombudsman.org.uk
Post: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
We are the owner and reserve all rights to all intellectual property rights attributable to our site and its contents. This includes copyright works and trademarks. The content on our website is provided for information only.
