Terms of Business
A summary of our service scope, fees and regulatory status. The full client agreement is provided before any advice is given.
This page summarises how Lifestyle Choices Planning Ltd works with clients. Before providing advice, every client receives our full About Our Services / Initial Disclosure Document and Terms of Business covering the scope of service, our regulatory status and remuneration in detail. Please read them carefully and keep a copy.
Our service
- Mortgages: we advise and make a recommendation after assessing your needs. We offer mortgages from the whole market, including second charge loans, but not deals only available direct through a lender.
- Insurance and protection:we advise and make a recommendation after assessing your needs, carrying out a fair analysis of the market for non-investment life assurance, critical illness cover, income protection, accident sickness & unemployment and home contents insurance.
What our advice costs
There may be a fee for mortgage advice, agreed with you in writing before you commit. Depending on your circumstances this is typically £95 for a product transfer, £695 on submission of a purchase application, or £995 for adverse credit cases. We also receive commission from the lender on completion. Protection and insurance advice is fee free; we receive commission from the provider.
You will receive a mortgage illustration when considering a particular mortgage, which will tell you about any fees relating to it. If a fee has been charged and your mortgage does not go ahead, the fee is not refundable. Any fee, and when it becomes payable, is always confirmed with you in writing before you commit to anything.
Who regulates us
Lifestyle Choices Planning Ltd is an appointed representative of Julian Harris Adviser Network Limited, which is authorised and regulated by the Financial Conduct Authority (FCA register number 304155). Lifestyle Choices Planning Ltd's FCA reference number is 1049460.
Julian Harris Adviser Network Limited's permitted business is advising on and arranging mortgages, non-investment insurance contracts, investments and pensions.You can check this on the FCA's register at register.fca.org.uk or by contacting the FCA on 0800 111 6768.
Client money
Lifestyle Choices Planning Ltdand Julian Harris Adviser Network Limited do not handle clients' money. We never handle cash or accept cheques made out to us, other than in settlement of invoiced charges. All premium and mortgage payments are made payable to the product provider, lender or insurer.
Compensation
We are covered by the Financial Services Compensation Scheme (FSCS). Mortgage advising and arranging is covered up to a maximum of £85,000 per eligible person, per firm. Insurance protection is at 100% for compulsory insurance and claims arising from death or incapacity, and at 90% for other non-compulsory policies, with no upper limit. Details at fscs.org.uk.
Complaints
If you wish to register a complaint, contact us, or write to The Compliance Officer, Julian Harris House, Musgrove, Ashford, Kent TN23 7UN, or phone 01233 661960. Full details are on our complaints page.
Important
Your home may be repossessed if you do not keep up repayments on your mortgage. Pure buy-to-let and commercial mortgages are not regulated by the Financial Conduct Authority.
The information on this website is for general guidance and does not constitute personal advice. Recommendations are only made after a full assessment of your circumstances.