Service & Fees

LN & TH Ltd T/a Hello Homes Mortgage Advice Centre

28 Main Street

Ratby

Leicester

LE6 0JG

Our Services & Fees

Background – The Purpose of this Document

It’s great that you are considering taking advantage of our services. Before we complete any work for you there are some things that

we want to tell you about our services and how we will charge for them. You can use this document to decide whether our services

are right for you.

Please take the time to read it – it only takes a few minutes, and it contains important information about our services. Please tell us if

you need any extra help or support in accessing our services.

Are our services regulated?

Yes – most of what we do is regulated by the Financial Conduct Authority. However, services relating to most Buy to Let Mortgages

are not regulated. You can see full details of how we are regulated and what permissions we hold in Section 1.

Our services relating to residential mortgages, protection and general insurance are also covered by the Financial Services

Compensation Scheme. The scheme does not cover services in respect of Buy to Let mortgages. You can also find more details about

the compensation scheme in Section 1.

What kind of service do we offer?

We offer advice on mortgages, life and health insurance products. For mortgages we make recommendations from a broad and

comprehensive range of lenders from across the market.

For most insurance advice we make recommendations from a range of insurers which is representative of the whole market. For

some, more specialist, insurance products we offer advice from a narrower range or from single providers. For insurance advice we

make recommendations from Legal & General.

You can see details of our range of products and providers and further details about our services (including information on special

advice situations like taking further advances/additional borrowing and advice on mortgages in later life) in Section 2.

There are limitations to our advice. For example, if you are using a government scheme or any shared appreciation, or shared equity

scheme (or similar arrangements) to help you buy your property then we won’t advise you on the suitability of that scheme. We

don’t give tax advice. Section 2 also gives more information about this.

What do we charge for our services?

For insurance products we will receive commission from the product provider. We will not charge separate fees for these services.

For mortgages we may charge you a fee for our advice. You can see more details about our charges in Section 3.

What if you have a complaint?

We hope that you will love the services that we provide. But if something does go wrong, then we will work hard to put things right.

You also have access to our complaint’s procedures. If you are still not happy then you may be able to refer your case to the Financial