Consumer Duty
The Consumer Duty rules define the standards of outcomes firms such as ours are expected to deliver. We intend to always comply with these standards by:
- acting in good faith
- avoiding foreseeable harm
- helping consumers achieve their financial objectives
We intend to demonstrate we are able to achieve good outcomes, including the needs of vulnerable customers by ensuring we offer:
- Consumer understanding – we ensure consumers are equipped to make good decisions and that information is made available at the right time and is understandable.
- Price and value – products and services should be sold at a price that reflects their value. There should be no excessively high fees.
- Product and services – products and services offered should be fit for purpose. The terms match the target consumer needs and products and services work as expected.
- Consumer support – customer service should be responsive and helpful. It should be as easy to complain about or switch and cancel products or services, as it was to buy them.
Bluestone Mortgages
Dudley Building Society
- Fair Value Assessment - Guide Residential (04/05/23)
- Fair Value Assessment - BTL (04/05/23)
- Fair Value Assessment - Residential Ex Pats (04/05/23)
- Fair Value Assessment - Buy to Let Ex Pats (04/05/23)
- Fair Value Assessment - Residential Self Buid (04/05/23)
- Fair Value Assessment - Residential RTB (04/05/23)
- Fair Value Assessment - Residential Shared Ownership (04/05/23)
Foundation Home Loans
- Fair Value Assessment - Professional Fixed (04/05/2023)
- Fair Value Assessment - Professional Variable (04/05/2023)
- Fair Value Assessment - Variable Capital Repayment only (04/05/2023)
- Fair Value Assessment - Fixed Capital Repayment only (04/05/2023)
- Fair Value Assessment - Core Fixed all Repayment only (04/05/2023)
- Fair Value Assessment - Variable all Repayment only (04/05/2023)
Kensington
- Fair Value Assessment - Residential Fixed for Initial Term (04/05/23)
- Fair Value Assessment - Residential Flexi Fixed for Initial Term (04/05/23)
- Fair Value Assessment - Residential Tracker for Initial Term (04/05/23)
- Fair Value Assessment - RTB Fixed for Initial Term (04/05/23)
- Fair Value Assessment - HTB Fixed for Initial Term (04/05/23)
- Fair Value Assessment - BTL Fixed for Initial Term (04/05/23)
- Fair Value Assessment - BTL Tracker for Initial Term (04/05/23)
- Fair Value Assessment - BTL HMO/MUB Fixed for Initial Term (04/05/23)
- Fair Value Assessment - Shared Ownership Fixed for Initial Term (04/05/23)
Kent Reliance
LendInvest
- Fair Value Assessment - Key Worker Residential Mortgage (04/05/23)
- Fair Value Assessment - Qualified Professional Residential Mortgage (04/05/23)
- Fair Value Assessment - Complex Income Residential Mortgage (04/05/23)
- Fair Value Assessment - Credit Friendly Income Residential Mortgage (04/05/23)
- Fair Value Assessment - Regulated Bridge (04/05/23)
MT Finance
Pepper Money
- Fair Value Assessment - Owner Occupier Purchase (09/05/2023)
- Fair Value Assessment - Owner Occupier Low Deposit Purchase and Remortgage (09/05/2023)
- Fair Value Assessment - Owner Occupier Remortgage (09/05/2023)
- Fair Value Assessment - Owner Occupier Adverse (09/05/2023)
- Fair Value Assessment - Owner OccupierComplex Income Purchase (09/05/2023)
Precise Mortgages
Saffron
Shawbrook Bank
Spring Finance
Stride Up
The Family Building Society
The Mortgage Lender
- Fair Value Assessment - Real Life 0 Purchase (05/05/23)
- Fair Value Assessment - Real Life 0 Remortgage (05/05/23)
- Fair Value Assessment - Real Life 1 Purchase (05/05/23)
- Fair Value Assessment - Real Life 1 Remortgage (05/05/23)
- Fair Value Assessment - Real Life 2 Purchase (05/05/23)
- Fair Value Assessment - Real Life 2 Remortgage (05/05/23)
- Fair Value Assessment - Real Life 3 Purchase (05/05/23)
- Fair Value Assessment - Real Life 3 Remortgage (05/05/23)
- Fair Value Assessment - Lumi 1 Purchase (05/05/23)
- Fair Value Assessment - Lumi 1 Remortgage (05/05/23)
Together
Tipton
United Trust Bank
Vida Homeloans
Affirmative Finance
Allica Bank
Alternative Bridging Corporation
Assetz Capital
Barclays
Bath Building Society
Beverley Building Society
Bluestone Mortgages
Castle Trust
Central Trust
Complete FS
Digital Mortgages by Atom Bank
Dudley Building Society
Equifinance
Fleet Mortgages
Foundation Home Loans
- Fair Value Assessment - Professional Fixed (04/05/2023)
- Fair Value Assessment - Professional Variable (04/05/2023)
- Fair Value Assessment - Variable Capital Repayment only (04/05/2023)
- Fair Value Assessment - Fixed Capital Repayment only (04/05/2023)
- Fair Value Assessment - Core Fixed all Repayment only (04/05/2023)
- Fair Value Assessment - Variable all Repayment only (04/05/2023)
Glenhawk Property Finance
- Application Form - Individual (13/02/2023)
- Application Form - Company (13/02/2023)
- Application Form - REGULATED (13/02/2023)
- Enquiry Form (01/10/2020)
- Product Guide (22/11/2022)
- Assets & Liabilities Statement (13/02/2023)
- Glenhawk Income & Expenditure (13/02/2023)
- Glenhawk bridge Checklist (13/02/2023)
Hampshire Trust Bank
Harpenden Building Society
Interbay
Kensington
- Fair Value Assessment - Residential Fixed for Initial Term (04/05/23)
- Fair Value Assessment - Residential Flexi Fixed for Initial Term (04/05/23)
- Fair Value Assessment - Residential Tracker for Initial Term (04/05/23)
- Fair Value Assessment - RTB Fixed for Initial Term (04/05/23)
- Fair Value Assessment - HTB Fixed for Initial Term (04/05/23)
- Fair Value Assessment - BTL Fixed for Initial Term (04/05/23)
- Fair Value Assessment - BTL Tracker for Initial Term (04/05/23)
- Fair Value Assessment - BTL HMO/MUB Fixed for Initial Term (04/05/23)
- Fair Value Assessment - Shared Ownership Fixed for Initial Term (04/05/23)
Kent Reliance
LendInvest
- Fair Value Assessment - Key Worker Residential Mortgage (04/05/23)
- Fair Value Assessment - Qualified Professional Residential Mortgage (04/05/23)
- Fair Value Assessment - Complex Income Residential Mortgage (04/05/23)
- Fair Value Assessment - Credit Friendly Income Residential Mortgage (04/05/23)
- Fair Value Assessment - Regulated Bridge (04/05/23)
Mansfield Building Society
MT Finance
Octane Capital
Octopus Real Estate
- Product Guide - Unregulated Bridging (05/02/2024)
- Product Guide - Buy to Let (05/02/2024)
- Application Form - Company (08/02/2021)
- Application Form - Development & Refurbishment (08/02/2021))
- Application Form - Individual - Regulated (08/02/2021)
- Application Form - Individual - Unregulated (08/02/2021)
Pepper Money
- Fair Value Assessment - Owner Occupier Purchase (09/05/2023)
- Fair Value Assessment - Owner Occupier Low Deposit Purchase and Remortgage (09/05/2023)
- Fair Value Assessment - Owner Occupier Remortgage (09/05/2023)
- Fair Value Assessment - Owner Occupier Adverse (09/05/2023)
- Fair Value Assessment - Owner OccupierComplex Income Purchase (09/05/2023)
Precise Mortgages
Quantum Mortgages
Redwood Bank
Roma Finance
Saffron
Selina Finance
Shawbrook Bank
Signature Property Finance
Spring Finance
Step One
Stride Up
The Family Building Society
The Mortgage Lender
- Fair Value Assessment - Real Life 0 Purchase (05/05/23)
- Fair Value Assessment - Real Life 0 Remortgage (05/05/23)
- Fair Value Assessment - Real Life 1 Purchase (05/05/23)
- Fair Value Assessment - Real Life 1 Remortgage (05/05/23)
- Fair Value Assessment - Real Life 2 Purchase (05/05/23)
- Fair Value Assessment - Real Life 2 Remortgage (05/05/23)
- Fair Value Assessment - Real Life 3 Purchase (05/05/23)
- Fair Value Assessment - Real Life 3 Remortgage (05/05/23)
- Fair Value Assessment - Lumi 1 Purchase (05/05/23)
- Fair Value Assessment - Lumi 1 Remortgage (05/05/23)
Together
Tipton
United Trust Bank
Vida Homeloans
Zephyr Homeloans
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