Regulatory information.

Who we are

A&L Financial Solutions Ltd is a limited company registered in England & Wales, company number 09731522. Our registered office is at 20 The Pines, Kingswood, Hull, HU7 3GT.

Our regulator

A&L Financial Solutions Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority.

You can check this on the Financial Services Register by visiting register.fca.org.uk or by contacting the FCA on 0800 111 6768.

The scope of our advice

Mortgages

We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. Where we recommend a mortgage, we will do so on the basis of a personal recommendation that considers your needs, circumstances, and objectives.

Non-investment insurance (protection)

We offer products from a range of insurers for term assurance, critical illness cover, income protection, family income benefit, whole of life assurance and buildings and contents insurance. We select the most suitable provider for you from that panel based on your needs.

What you will pay for our services

Mortgage advice

We charge a fee of between £457 and £997 for our mortgage advice, payable on completion. The exact figure depends on the complexity of your case and will be agreed with you in writing before we start any work. We will also usually receive commission from the lender when your mortgage completes; we will disclose the amount to you in writing.

Insurance advice

We do not charge a fee for insurance advice. We are paid a commission by the product provider, which is included in the premium you pay. We will disclose the amount of the commission to you before you commit to anything.

What to do if you have a complaint

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

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. See our complaints procedure for full details.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (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.

• Mortgages: advice about your mortgage is covered up to a maximum limit of £85,000.
• Insurance advice and arranging: covered for 90% of the claim, with no upper limit. For compulsory classes of insurance, cover is 100% with no upper limit.

Further information about the compensation scheme is available at fscs.org.uk.

Our regulatory statements