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How we are paid

On receiving an enquiry we will discuss with you (over the phone if you prefer), whether we are able to assist with meeting your needs and objectives.  We will also discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary conversation and no obligation on either side.

After the initial free consultation, we will agree with you whether you pay us a fee, or we are paid out of the cost of any financial product you buy (commission). We will always tell you about any commission we earn, and it will be taken into account in working out our fee.

Commission is paid to an advising firm by the provider, ie the lender or the insurance company, for the successful placing of business. The commission is included within the provider's normal product charges, so there is nothing you need to pay us in addition. The amount of commission is based on a percentage of the premiums payable or loans agreed.

Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. Fees attract an additional VAT charge whereas commissions, under current legislation, do not. We will always tell you about any commission we earn, and it will be taken into account in working out our fee.

If you ask us to arrange a mortgage for you we can be paid by either commission or a fee. If you choose to pay us a fee, this will usually be 0.5% of the loan amount.

Whether we take our remuneration by way of commission or fees will be a matter of discussion and agreement, and no charges for fees will be made without prior notification in writing.

Your property may be repossessed if you do not keep up repayments on your mortgage.

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Eurofinance Mortgage Solutions is a trading style of Andrew Jefferson and Karen Jefferson. Eurofinance Mortgage Solutions is an appointed representative of Sesame Limited which is authorised and regulated by the Financial Conduct Authority. The FCA does not regulate solicitors. Financial Services Register No: 150427 http://www.fca.org.uk/register.

On clicking the above links you will leave the regulated site of Eurofinance Mortgage Solutions. Neither Eurofinance Mortgage Solutions, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.

We act as introducer for REITS, Endowments, Equity release, National Savings, tax planning, taxation and trust advice, offshore investments or school fees planning. For investments, we act as introducers only.

The Financial Conduct Authority does not regulate National Savings, trust advice, offshore investments, school fees planning and some forms of buy to let mortgages and tax planning.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at http://www.financial-ombudsman.org.uk.

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

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