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Mortgage Expression
   
 
 

How we work


The Financial Services Authority is the independent watchdog that regulates financial services. It requires us to give you sufficient information to decide if our services are right for you.


ADVICE & RECOMMENDATION - We will advise and make a recommendation for you after we have assessed your needs for Life,MPPI, Critical Illness, Family Income Benefit, Buildings & Contents. Insurance, Income Protection &Private Medical Insurance. For Mortgages and Equity Release we will advise and make a recommendation for you after we have assessed your needs.

FOR MORTGAGES we offer mortgages from the whole mortgage market.

We will advise and make a recommendation for you after we have assessed your needs for Life,MPPI, Critical Illness, Family Income Benefit, Buildings & Contents. Insurance, Income Protection &Private Medical Insurance. For Mortgages we will advise and make a recommendation for you after we have assessed your needs. except for Equity Release when we operate from a panel of lenders.

FOR EQUITY RELEASE we offer products from a range of providers – please ask us for a list of the companies we use for Equity Release.

FEES – For mortgages we may charge you a broker fee; this will depend on each individual case and will be clearly stated at the outset. For Insurances we never charge a fee.

WHO REGULATES US - Mortgage Expression is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Services Authority.

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.

 

 
     
 

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK

Mortgage Expression is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Services Authority

You can choose how we are paid. Pay a 1% fee of the loan amount on completion of the loan and we will refund to you any fee paid by the lender. Or we can accept commission from the lender and in addition we may charge you a broker fee that is payable on completion - this is dependent on your circumstances but we estimate that it will be £299 although it may range from £99 to £999. We do not charge upfront fees for our advice.

There will be a fee for mortgage advice on Equity Release. The precise amount will depend upon your circumstances but we estimate that it will be £799.