About our Mortgage & Insurance Services and Costs

 

The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. You should use this information to decide if our services are right for you.

 

Whose products do we offer?

Mortgages

We offer an Independent mortgage service. This means we consider a comprehensive range of mortgages from across the market and we will not consider deals that can only be obtained by going direct to a lender

 

Insurances

Non-investment protection contracts – we offer non-investment protection products e.g. term assurance, income protection and critical illness from a range of insurers.

General Insurance Contracts – we offer buildings & contents insurance, accident, sickness & unemployment(ASU) private medical insurance products from a range of insurers

 

Which service will we provide you with?

Mortgages

We will provide you with advice after an assessment of your personal circumstances and requirements. This will included a detailed assessment of affordability.

 

Insurances

Non-investment protection contracts – We will provide you with advice after assessment of your personal circumstances and needs

General insurance contracts – we will provide you with price information only after you have provided us with your demands and needs for a particular type of insurance

 

What will you have to pay us for our services?

Mortgages

We charge a fee of which falls due on provision of the advice provided to you in recommending a mortgage deal. We may also receive a commission from the lender for placing that business

This fee will be paid directly by you on receipt of the mortgage offer.

Insurances

We do not charge a fee for these services as we will normally receive commission from the policy provider.

 

Who regulates us?

JK Associates is a trading style of Imperial Finance 23 Ltd, Gollestan, Kingston Ridge, Kingston, Lewes BN7 3JU is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 497616

Our permitted business is advising on and arranging Mortgages, Non-Investment Insurance Contracts and General Insurance

You can check this on the Financial Services Register by visiting the FCA’s website

www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 1116768.

 

What to do if you have a complaint

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

….in writing         Imperial Finance 23 Ltd, Gollestan, Kingston Ridge, Kingston, Lewes BN7 3JU

….by phone        01273 477737

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

 

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.

Mortgages

Mortgage advising and arranging is covered for 100% of £50,000

Insurance

Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

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

 

Data Protection

The information you have provided is subject to the Data Protection Act 1998 (the “Act”). By signing this document you consent to us or any company associated with us for processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management.

 

“Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the FCA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data.

 

In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area (EEA) in countries that do not have Data Protection Laws equivalent to those in the UK.  Where this is the case we will take reasonable steps to ensure the privacy of your information.

 

We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.

 

The information provided may also contain sensitive personal data for the purposes of the Act, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a Trade Union.

 

If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer on 01273 477737 or in writing at Imperial Finance 23 Ltd, Gollestan, Kingston Ridge, Kingston, Lewes BN7 3JU

 

You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.

 

Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.

 

 

JK Associates is a trading style of Imperial Finance 23 Ltd which is authorised and regulated by the Financial Conduct Authority 497616.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Loans subject to status, written quotations available on request. Lower age limitations will apply. JK Associates acts as broker between the borrower and the lender, borrowers should review the lender's terms of business.