Terms of Business

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document has been designed by the FCA to be given to consumers considering buying certain financial products. Use this information to decide if our services are right for you.

2. Whose products do we offer?

Insurance

✓ ​We offer products from a range of insurers for life assurance, critical illness, income protection.

Mortgages

✓ We offer mortgages from the whole of the market**

** Note: some banks only offer mortgages direct to customers or through different intermediary channels which we cannot access. A list of these banks is available upon request. We recommend you should do your own research before commiting to buying any mortgage products through us.

3. Which service will we provide you with?

Insurance

✓ ​We will advise and make a recommendation for you after we have assessed your needs for life assurance, critical illness, and income protection.

Mortgages

✓ We will advise and make a recommendation for you on mortgages after we have assessed your needs.

4. What will you have to pay us for our services?

Insurance

✓ ​No fee
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

Mortgages

✓ No fee
We will be paid by commission from the lender that provides your mortgage.

​✓ A fee of £250.00 payable when you apply for a mortgage. We will also be paid commission from the lender that provides your mortgage.

You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it

5. Refund of fees

If we charge you a fee, and your mortgage does not go ahead, you will receive:

✓ No refund if you decide not to proceed

✓ A full refund if the lender rejects your application

6. Who regulates us

Knott Another Mortgage Adviser Limited (T/A Adrian Knott Partnership), is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 300531. Our permitted business is advising on and arranging non-investment insurance contracts and Mortgages. You can check this on the FCA’s Register by visiting the FSA’s website www.fca.gov.uk/register/ or by contacting the FCA on 0845 606 1234.

7. What to do if you have a complaint

If you wish to register a complaint, please contact us:

In writing
Write to: Adrian Knott, Knott Another Mortgage Adviser Limited 35 Berkeley Square, London, W1J 5BF

By phone
Telephone: +44 (0) 207 100 1822

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

8. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim with no upper limit. Mortgage advising and arranging is covered for 100% of £50,000. Further information about the compensation scheme arrangements is available from the FSCS.