Terms of Business
These terms set out the basis on which we provide advice, the scope of the service, how we are paid, and what you can expect from us.
Who we are and how we are regulated
Bradgate Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number 672856. You can check this on the FCA Register at register.fca.org.uk or by calling the FCA.
The scope of our advice
We offer [VERIFY: whole-of-market / limited panel, state precisely] advice on mortgages. For protection products we offer [VERIFY: scope].
Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Where we advise on an unregulated product, we will tell you, and the protections available to you will differ.
What you will pay for our services
Our fee position is [VERIFY: fee amount, when payable, and whether refundable]. We will also usually receive a commission from the lender when your mortgage completes. We will confirm the exact amounts in writing before you commit to anything.
What we ask of you
- Accurate information. Our advice can only be as good as the information you give us. Inaccurate or incomplete information may lead to unsuitable advice or a declined application.
- Prompt documents. Lender timescales are affected by how quickly documents are provided.
- Tell us if things change. A change in income, employment or credit position during an application can materially affect it.
Conflicts of interest
We maintain a conflicts of interest policy. Where a conflict arises that we cannot manage, we will tell you. [VERIFY: describe any relevant arrangements, e.g. panel arrangements, referral relationships]
Cancellation
[VERIFY: your cancellation terms and any cooling-off rights]
Complaints and compensation
If you are unhappy with our service, please see our complaints procedure. We are covered by the Financial Services Compensation Scheme. [VERIFY: FSCS limits applicable to mortgage and insurance mediation]
Last updated 2026-07-17