Terms & Conditions

Important information about our services and regulatory status

Professional mortgage advice terms and conditions

Regulatory Information

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UK Regulation

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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Company Information

Gascoine Hoare, Mortgage Adviser, 63 Park Road, Hampton Hill, Twickenham, TW12 1HX.

Directors: Sarah Gascoine & Stephen Hoare.

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Registration Details

Gascoine Hoare Ltd is registered in England and Wales, registration number 07253012. Registered office address – 63 Park Road, Hampton Hill, Twickenham, TW12 1HX.

Gascoine Hoare Ltd are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority.

Fee Information

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Mortgage Advice Fees

THERE MAY BE A FEE FOR MORTGAGE ADVICE, HOWEVER THE PRECISE AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES. IF A FEE IS CHARGED, A TYPICAL FEE IS £500 AND THIS WOULD BE PAYABLE ON APPLICATION.

Fee Structure

  • We may charge a fee for our advice. We will confirm this before you proceed.
  • Fees are discussed and agreed before any chargeable work begins
  • Fee amount depends on complexity of your requirements
  • Any fee is payable on application
  • You will receive clear written confirmation of any fees

Important Warnings & Disclosures

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Property Repossession Warning

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Scope of Financial Conduct Authority Regulation

MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. THE FINANCIAL CONDUCT AUTHORITY ALSO DOES NOT REGULATE SOME FORMS OF COMMERCIAL MORTGAGE OR DEBT CONSOLIDATION.

Scope of Our Services

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Services Regulated by the Financial Conduct Authority

We provide regulated advice for:

  • Residential mortgages for owner-occupation
  • First-time buyer mortgages
  • Homemover mortgages
  • Remortgaging for residential properties
  • Right to Buy mortgages
  • Shared ownership schemes
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Non-Regulated Services

Services not regulated by the Financial Conduct Authority:

  • Most Buy-to-Let mortgages
  • Commercial mortgages
  • Second charge/secured loans for debt consolidation
  • Bridging finance
  • Development finance
  • Overseas mortgages
  • Holiday let mortgages
  • Protection and insurance – we do not advise on these products and will refer you to a specialist firm

While these services aren't regulated by the Financial Conduct Authority, we still provide professional advice and follow industry best practices. Where we refer you to another firm, that firm is responsible for the advice it gives you.

Terms of Business

🎯 Our Service Promise

We are committed to providing professional, ethical mortgage advice tailored to your individual circumstances and needs.

📊 Market Coverage

We search across a comprehensive range of lenders to find suitable mortgage products, though we don't cover every product in the market.

💡 Advice Basis

Our recommendations are based on a fair analysis of the market and your personal and financial circumstances.

🔒 Confidentiality

All personal and financial information you provide will be treated in strict confidence and in accordance with data protection laws.

📋 Documentation

You will receive clear documentation explaining our recommendations, including any risks and the reasons for our advice.

🤝 Ongoing Support

We provide ongoing support throughout the mortgage process and can offer future reviews of your mortgage needs.

Liability & Limitations

Professional Indemnity

We maintain professional indemnity insurance as required by the Financial Conduct Authority to protect our clients' interests.

Advice Accuracy

While we take every care to ensure our advice is accurate and appropriate, mortgage and insurance products can change. We recommend regular reviews.

Market Changes

Interest rates, lender criteria, and product availability can change rapidly. Our recommendations are based on information available at the time of advice.

Third Party Services

We may recommend third-party services (solicitors, surveyors, etc.) but we're not responsible for their performance or quality of service.

Contact Information

Office Address:
63 Park Road, Hampton Hill
Twickenham, TW12 1HX

Phone: 020 8979 3582

Email: info@gascoinehoare.co.uk

Complaints Procedure

If you're unhappy with our service, we have a comprehensive complaints procedure in place.

We aim to resolve most complaints within 3 business days, with formal procedures available for more complex issues.

View Complaints Procedure