Free Mortgage Advice.com - Make an appointement fro Free Independent Mortgage and debt Advice for UK Home Buyers & Self-Builders

Our Service is free to all sections of the society, ir-respective of person's race, colour, gender, sex orientation, religious beliefs or credit history.We believe that all members of the British Society have right to free, fair and impartial advice; and right to access to Mortgage Services.Our partner company, who provide the back-end service is regulated by Financial Service Authority and complies with the current rules and regulations set by the Financial Service Authority.
Our advisors understands the problems of those sections of the community those feel being ignored by the mainstream lenders.We have access to special lenders who take common-sense view of the past credity history whether you have missed payments, have built up arrears, ccj and even IVA and bankruptcy.We are very senstive to needs of the same-sex couples, members of the other minority communities.

www.free mortgage advice.com is one of our gateways for the public to access one of the best mortgage providers in the financial industry.

Our mortgage ADVICE service is absolutely FREE. We make no charge to customers for our service, nor do any of our advisors for the advice. (See our Customer Care Code below)

www.free mortgage advice.com takes essential information from you and introduces you to a qualified Mortgage advisor, one who SPECIALISES in the particular kind of mortgage advice you request. From then on your designated Advisor will answer all your questions and will lead you through the process.

Mortgage Advisors on our team are Independent Mortgage Advisors, not employees of Register Online Limited or www.free mortgage advice.com. The advisor takes full responsibility for the advice/services he/she provides. If you have any comments/complaints about the service you receive from the advisor, please contact us immediately.

Staff at www.free mortgage advice.com can offer general help regarding our service or website, but no member of staff is qualified to give you any Mortgage advice whatsoever.

www.free mortgage advice.com is a service provided by Register Online Limited, a highly professional and ethical company based in Wolverhampton.

Provide free, fair and impartial advice best suited to the needs of the Customer.

INCLUDE - in every quote all relevant charges of the lender/s (e.g. Valuation or Legal Fees etc. and any arrangement fee) in absolutely clear and simple language;

ARRANGEMENT FEE - as per MCCB rules, advisor may charge an arrangement fee that will be payable only on the completion of the mortgage but NEVER upfront nor in case of mortgage not been completed.

COMPLY - with the current Data Protection Act and maintain all our customers' personal information with the strictest confidence. � When an Advisor offers other related services (e.g. insurance) quotations must be competitive.

If you are in any doubt about whether any advice offered is suitable for your needs you can ask for a second opinion either through us or directly to another independent Mortgage advisor.

You will be under no obligation at all to accept any advice/service or product offered by our Advisors.

We aim to provide to all of our customers a first class standard of service. If you are unhappy with this service or have any case for dissatisfaction please contact our customer services, quoting your name and date of application. For your own security, our staff member may ask you other personal details to establish your identity.

Should this matter not be resolved to your satisfaction you may then approach any of the contacts at the bottom of the page.

Please remember that your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

Jurisdiction - Our relationship with you will be governed by English law and will be subject to the exclusive jurisdiction of the English courts.

Register Online Ltd trades under www.free mortgage advice.com, a business name for the services it provides as a gateway to the financial industry.

The information that you provide as part of your application will be passed to one of our Advisors, who will use it to prepare a quote for you, for the relevant financial services and products.

You can choose to review/edit your personal details in our database/s at any time just by logging in to your 'MY ACCOUNT' facility using your username and password. You may also choose to DELETE your details. This will be executed by our system as soon as is reasonably possible.

We are required to ensure that the records we hold about you are correct. Please update your details using MY ACCOUNT when you revisit the site. If your account remains inactive for a long period it will expire, but you may update and restart it again.

All the personal details we hold about you on our record will be shown in your 'MY ACCOUNT' page. If however you would like a copy of details that your advisor holds about you, you may write to your advisor directly. Details of your advisor/s are also available on your 'MY ACCOUNT' page.

If you have any complaints about the way that we have dealt with your personal details, you are entitled to address your complaint to the Information Commissioner (formerly the Data Protection Registrar). Your rights are currently governed by the Data Protection Act of 1998.

We will treat all of your personally identifiable information as private and confidential. It is our policy NEVER to disclose our customer's details to any third party , except in the following circumstances:

Where we are legally compelled to do so;
Where disclosure is made to the provider of the advice/service that you have requested;
Where, despite very strict security measures, our database/s are accessed by an outsider through malicious/unlawful means (say if our server is hacked). 100% security guarantees are not possible.
Where, despite very strict security measures, information may happen to reach a third party by a technical or human error.

It costs nothing to ask for a professional advice!

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www.free mortgage advice.com's Code of Practice complies with the Code of Practice specified by Web Trader, a marque of Which? Online / Magazine. Our Code was last updated on January 29, 2002. This is in addition to all of your rights described above.

All our marketing meets the conditions of the British Codes of Advertising and Sales Promotion, which you can see at www.asa.org.uk. In particular, it must be legal, decent, honest and truthful.

Confirmation

We will acknowledge your application/query by email within 24 hours and our advisors will endeavour to respond to all applications and enquiries within 48 hours during weekdays.

Security

www.free mortgage advice.com uses a Secure Socket Layer for the encryption of all of your application data. Then your details are passed to an advisor/service provider by encrypted email or other secure means. We have undertaken a GAP analysis in accordance with BS7799 (Code of Practice for Information Security Management) and as a result www.free mortgage advice.com have an ongoing information security management system to review security standards. For full details about this please see www.bsi-global.com. Jon Farmer is the person responsible for the security and privacy matters on and behind our website, and can be contacted at security@free mortgage advice.com

Data protection and privacy

When you make your application a cookie will be sent to you computer. This is only used to track a registration or application while you are online at www.free mortgage advice.com. The 'cookie' will be stored in your browser. A cookie is a small piece of information sent by a web server to a web browser, which enables the server to collect information back from the browser. The use of cookies in this way is commonplace in modern web sites.

www.free mortgage advice.com does not compare or refer to any external data source for marketing purposes to our customers.

www.free mortgage advice.com does not sell, share or exchange your data to a third party for any commercial purpose except where required to assist your mortgage and any other requested services.

www.free mortgage advice.com has no current intention of transferring any personal information outside the EEA.

We or our advisors shall not offer/sell any Financial Service/advice to persons under the age of 18. However, we welcome any student who undertakes research in this subject as part of his/her School/University Project: our advisors will be very happy to respond to such queries. You must send your request to research@free mortgage advice.com

If we are unable to resolve a complaint with you, you may go to Which? Web Trader to have your complaint resolved independently. Which? Web Trader will look at the complaint and check to see whether we have handled it properly and, if appropriate, recommend a solution. Their service will be:

If you do not think that your complaint has been handled in accordance with these principles you may also refer it to TrustUK who can look at the complaint and the way it has been handled and recommend a solution.

Subscribers to Which? Online only: if you have problems after buying online from traders in their scheme you are entitled to free legal advice and help from Which? Legal Service. Register Online Ltd will cooperate fully with the Which? Legal Service to solve any problem that might arise.