frank mortgages - Website Terms of business

Frank Mortgages is a trading name of Frank Mortgage Solutions Ltd, 414 Gorton Road, Stockport, England, SK5 6RS

Company number: 15793241

Frank Mortgage Solutions Ltd is an appointed representative of Stonebridge Mortgage Solutions Ltd, Regency House, Miles Gray Road, Basildon, Essex SS14 3FR, authorised and regulated by the Financial Conduct Authority (FCA Register No. 454811). 

Stonebridge Mortgage Solutions Ltd is authorised to advise on and arrange mortgages and non-investment insurance contracts. 

You can check this on the FCA register at: https://register.fca.org.uk

Our Website Terms of Business may change from time to time and, if they do, the up-to-date version will always be available here and will become effective immediately.

 

1. The Services We Provide

After assessing your needs, we will provide advice and make recommendations in relation to:

Mortgages

We offer an unrestricted range of first-charge mortgages from across the market but:

• We do not advise on second-charge lending

• We do not advise on bridging finance

• We do not advise on deals available only directly from lenders 
  
  

Buy-to-Let Mortgages

Advice is limited to suitability of the mortgage based on your requirements. We do not provide advice on:

• Tax treatment or ownership structure

• Investment suitability of property

• Legal matters such as tenancy agreements or HMO compliance 
  
  

Protection Insurance

We offer products from a carefully selected panel of insurers for:

• Life Assurance

• Critical Illness Cover

• Income Protection

• Accident, Sickness & Unemployment 
  
  

Buildings & Contents Insurance

We offer buildings and contents insurance from a selected panel of insurers. 

 

2. Fees & Commission

We may receive commission from lenders or insurers. The amount will always be disclosed before you proceed. 

 

Mortgage Advice Fees

*We may charge an additional £200 where a complex/specialist lender is required.

All fees are non-refundable once work has begun.

Insurance

We do not charge a fee for protection or general insurance advice but may receive commission. 

 

3. Regulation & Consumer Protection

The level of protection depends on the type of mortgage:

Residential Mortgages

Covered by the Financial Ombudsman Service and Financial Services Compensation Scheme (FSCS). 

Consumer Buy-to-Let

Usually covered by the Financial Ombudsman Service but FSCS eligibility depends on circumstances. 

Business Buy-to-Let

Not normally covered by the Financial Ombudsman Service or FSCS. 

Insurance

Covered by the FSCS — typically 90% of claim without upper limit. 

 

4. Complaints

If you have a complaint, please contact:

Stonebridge Mortgage Solutions Ltd
Regency House, Miles Gray Road
Basildon, Essex SS14 3FR
Telephone: 0345 646 5535
Email: complaints@stonebridgegroup.co.uk 

If unresolved, you may refer your complaint to the Financial Ombudsman Service (depending on case type).

5. Important Limitations

We do not provide:

• Tax advice

• Legal advice

• Investment advice

• Property valuation opinions 

You should seek independent advice where appropriate.

6. Acceptance

By using our services or submitting an enquiry through this website, you agree to these Terms of Business.