about our mortgage services	Colin Smith & Co Mortgage & Insurance Intermediaries 13 West Street Tavistock, Devon PL19 8AN

1. The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose mortgages do we offer?
We offer mortgages from the whole market.

3. Which service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs.

4. What will you have to pay us for this service?
A fee as specified in the following fee scale is payable when you make an application.

Mortgage Amount		Fee Amount
Up to £50,000		£125.00
£50,000 to £100,000		£100.00
£100,000 to £150,000		£75.00
£150,000 and above		£50.00

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

A fee of £125.00 is payable for existing clients re-mortgaging. This fee is not payable if Colin Smith & Co receive a mortgage lender introduction fee. For further advances, a fee of £90.00 is payable to Colin Smith & Co.

Fees may be offset against other services by agreement.

5. Refund of fees
If we charge you a fee, and your mortgage is rejected, you will receive a full refund.

If we charge you a fee, and you cancel the arrangement once we have started work, you will pay a fee of £50.00, and any balance will be refunded.

6. Who regulates us?
Colin Smith and Co Mortgage & Insurance Intermediaries is authorised and regulated by the Financial Services Authority. Our FSA Register number is 303077.

Our permitted business is advising on and arranging regulated mortgage contracts.

You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register, or by contacting the FSA 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 to:

Colin Smith & Co Mortgage & Insurance Intermediaries, 13 West Street, Tavistock, Devon, PL19 8AN

Or by telephone to:

01822 617960

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.

Mortgage advising and arranging is covered for 100% of the first £30000 and 90% of the next £20000 so the maximum compensation is £48000.

Further information about compensation scheme arrangements is available from the FSA.