Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern JK Mortgage Links Ltd T/A Mortgage Links’ relationship with you in relation to this website.
The term “Mortgage Links” or “us” or “we” refers to the owner of the website whose registered office is JK Mortgage Links Ltd T/A Mortgage Links, 34 ALder Lane, Sheffield, S9 4AL. The term ‘you’ refers to the user or viewer of our website.
The use of this website is subject to the following terms of use:
- The content of the pages of this website is for your general information and use only.
- It is subject to change without notice.
- Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose.
- You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
- Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.
- It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
- This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
You may not create a link to this website from another website or document without Links 4 Mortgages’ prior written consent.
Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Scotland and Wales.
WHOSE PRODUCTS DO WE OFFER?
We offer products in the following relevant markets:
- Regulated mortgage contracts that are used for a non-business purpose.
- Un-regulated buy-to-let mortgages.
We offer a comprehensive range of first and second charge mortgages, both residential and buy-to-let, from across the market, but not deals that you can only obtain by going direct to a lender. If you can get the best deal by going direct with a bank that we don’t have access to, we’ll always let you know so you’re in no doubt of the best possible mortgage you can get.
WHAT KIND OF SERVICE DO WE PROVIDE?
We offer an advised sales service. This means that we will provide advice and make a mortgage recommendation for you, after we’ve assessed your specific needs and circumstances.
WHAT WILL YOU HAVE TO PAY US FOR OUR SERVICES?
We will not charge you anything for our services.
We’re not pretending that we don’t get paid anything for arranging your mortgage, we get paid a fee by whichever lender the mortgage is submitted with, which is a fraction of a percentage of your mortgage amount. We have no preference between lenders, we will always tell you how much we’ll get, and this fee does not come out of your pocket in any way.
This information will be displayed on the mortgage illustration / ESIS that we will make available to you before submitting a mortgage in principal.
WHO REGULATES US?
Links 4 Mortgages Ltd is an appointed representative is registered in England and Wales (11083759) with address The Dame Edith Rooms, The Stable Courtyard, Renishaw Park, Renishaw, Sheffield, S21 1TZ.
Mortgage Links is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register (XXXXXX).
Our permitted business is: advising on, arranging (bringing about) and making arrangements with a view to regulated mortgage contracts.
You can check this on the Financial Services Register by visiting the FCA’s website https://www.fca.org.uk/registe…or by contacting the FCA on 0800 111 6768 (freephone) from 8am and 6pm, Monday to Friday (except public holidays) and 9am to 1pm, Saturdays.
COMPLAINTS
If you have a complaint about the service you have received, please submit your complaint by email at [email protected].
If your complaint cannot be resolved immediately, we will:
- Acknowledge receipt of the complaint in writing, confirming our understanding of the complaint, who it will be handled by, and giving you the opportunity to provide any further information or evidence; and
- After investigating your complaint, we will respond as quickly as possible. If no decision has been reached, we will update you on the progress of the complaint after 8 weeks.
If we have been unable to resolve your complaint or you are still unhappy with the resolution, you may be able to complain to the Financial Ombudsman Service (FOS). You can contact the FOS in writing at The Financial Ombudsman Service, Exchange Tower, London, E24 9SR; by calling 0800 023 4567 or 0300 123 9123; or by emailing [email protected].
Alternatively, complaints about Financial Services firms may also be sent to the Online Dispute Resolution (ODR) website: http://ec.europa.eu/consumers/odr.
Complaints received by the ODR will be forwarded to the FOS and then to Links 4 Mortgages. Complaints received via this route will undergo the same process as those received by us through the above channels.
FINANCIAL SERVICES COMPENSATION SCHEME
If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS).
You can find further information regarding how you are covered by the FSCS scheme at https://www.fscs.org.uk/what-we-cover/products.
MISCELLANEOUS
More information about our services can be found on the other pages of this website – links for these pages can be found in the table at the top of this page.
If you are unable to find the information you are looking for, you can get in contact by emailing us at [email protected].