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Combined Initial Disclosure Document

Suite 7, Dukes House, 4 – 6 High Street, Windsor, SL4 1LD

You should use the information provided within this document to decide if our services are right for you.

1. Whose products do we offer?

Insurance:

We offer products from a range of insurers 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).

2. Commercial Finance, Mortgages, and Second Charge Loans:

We offer products in the following “relevant markets:”

  • Regulated mortgage contracts that are used for a non-business purpose and/or
  • Regulated mortgage contracts that are used for a business purpose
  • Commercial Mortgages
  • Development Funding

We can only offer Residential mortgages on a restricted basis from a panel of lenders/providers. Please ask us for a list of providers.

We do not research direct to lender only deals. Commercial Finance and Development Finance is offered from the whole of the market.

 

3. 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, the 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.

 

4. What will you have to pay us for our services?

Insurance:

Term / Life assurance, critical illness cover, income protection, Private Medical Insurance, the 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.

Mortgages / Re Mortgages / Consumer Buy to Let / Second charge loans.

A maximum fee of up to 1% of the loan amount, to cover the initial consultation and research, which is payable on completion.
We may also be paid commission from the lender/company.

Commercial Finance / Bridging Finance:

A maximum fee of up to 1% of the advance applied, payable on completion to cover the additional work involved including research.

In all instances, a personalized fee agreement will be provided for your signature and agreement prior to commencing any work on your behalf.

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:

  • No refund if you decide not to proceed.
  • No Upfront broker fees are charged. Only upon offer or completion

 

5. Who regulates us?

Windsor Financial Services is authorized and regulated by the Financial Conduct Authority. FCA Register number 795862

Windsor Financial Services is permitted business is advising and arranging on investments, insurance, and regulated mortgages.

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

 

6. What to do if you have a complaint

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

…in writing
Write to the Complaints Officer, Windsor Financial Services, Suite 7 Dukes House 4 – 6 High Street, Windsor, Berkshire SL4 1LD
… by phone
Telephone Firm 01753 866 777

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

 

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

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.

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

Home finance products mortgages and home purchase plans
Advising on or arranging house purchase finance is covered for 100% of £50,000.

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.