about our services
Paul Mulcaster Associates. Shelley, Church Path, Prestwood, Great Missenden, Buckinghamshire. HP16 0QJ
 
1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?
    Insurance
      We offer products from a range of insurers for Accident, Sickness and Unemployment.
      We only offer products from a limited number of insurers for Accident, Sickness and Unemployment. Ask us for a list of the insurers we offer insurance from.
     

We only offer products from a single insurer for Accident, Sickness and Unemployment.

    Mortgages
      We offer mortgages from the whole market.
      We only offer mortgages from a limited number of lenders. Ask us for a list of the lenders we offer mortgages from.
      We only offer a limited range of mortgages from a single lender.
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 Accident, Sickness and Unemployment.
      You will not receive advice or a recommendation from us for Accident, Sickness and Unemployment. We may ask some questions to narrow down
the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
    Mortgages
     

We will advise and make a recommendation for you after we have assessed your needs.

     

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4. What will you have to pay us for our services?
    Insurance
      A fee
      No fee
    You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
    Mortgages
      No fee
     

A broker fee of 0% and up to 3% is payable upon completion of your mortgage. You can ask for the broker fee if any to be added to your mortage. The broker fee depends upon your status. For a example a 1% fee on a £60,000 mortgage is £600. We will also be paid commission from the lender.
   

You will receive a key facts illustration when considering a particular mortgage, 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:
      A full refund
      No refund
5. Who regulates us?
Paul Mulcaster Associates, Shelley, Church Path, Prestwood, Great Missenden, Buckinghamshire HP16 0QJ is authorised and regulated by the Financial Services Authority. Our FSA Register number is 303118.
Our permitted business is arranging regulated mortgages and arranging non investment insurance.
You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
6. What to do if you have a complaint
If you wish to register a complaint, please contact us:
...in writing Write to The Compliance Officer, Paul Mulcaster Associates, Shelley, Church Path, Prestwood, Great Missenden, Buckinghamshire HP16 0QJ  
...by phone Telephone 01494 866 840  
7. Are we covered by the Financial Services Compensation Scheme (FSCS)?
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.
    Insurance
    Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
    Mortgages
    Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.
Further information about compensation scheme arrangements is available from the FSCS.