Fernbank Mortgage & Protection is authorised and regulated by the Financial Conduct Authority. FCA Register number: 000000 [placeholder, confirm with compliance officer]. You can verify our registration at register.fca.org.uk.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy-to-let and commercial mortgages are not regulated by the Financial Conduct Authority. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.
There may be a fee for arranging a mortgage. The precise amount depends on your circumstances and will be confirmed in writing before you proceed. A typical fee is [placeholder]. We also receive a procuration fee from the lender on completion. Protection advice is provided at no cost to you; we receive commission from the insurer. [Placeholder, confirm exact fee disclosure with compliance officer.]
We collect personal information you provide through our forms and during the advice process, and use it solely to provide our services, meet regulatory obligations and keep in touch about your enquiry. We never sell your data. Full details of the lawful bases we rely on, retention periods and your rights under UK GDPR will appear here. [Placeholder, insert the firm’s full privacy policy.]
This website uses only the cookies necessary for it to function, plus optional analytics cookies where you consent. A full cookie table and consent controls will appear here. [Placeholder, insert cookie policy.]
If you are unhappy with our service, please contact us at hello@fernbank.co.uk or on 01234 567 890 and we will do our best to put things right. If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk. [Placeholder, insert the firm’s full complaints procedure.]
We are happy to explain how we are regulated and how your information is used, in plain English.