Thinking Mortgages

OUR DETAILS

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 products do we offer?
Insurance

Mortgages: We offer mortgages from the whole market.

Protection: We only offer products from a limited number of insurers for pure protection insurance. Ask us for a list of insurers we offer insurance from. We only offer products from Paymentshield for buildings and contents insurance and accident, sickness and unemployment insurance.

3. Which service will we provide you with?

Mortgages: We will advise and make a recommendation for you after we have assessed your needs.

Insurance: We will advise and make a recommendation for you after we have assessed your needs for pure protection insurance; accident sickness and unemployment insurance or buildings and contents insurance.

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

Mortgages: We have a flexible fees policy and will usually charge a fee of no more than £1500. In some cases, Thinking Mortgages will not charge a fee whatsoever for the advice provided Thinking Mortgages will usually be paid a fee from the lender. Because of our independent status, you may choose to pay a fee of 1% and have any commission that is received by Thinking Mortgages from the lender passed to you on completion. You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.

Insurance: We charge no fee for pure protection insurance, accident sickness and unemployment insurance or buildings and contents insurance.

Refund of fees: As our fees are payable on completion - there is no refund if you decide not to proceed.

5. Who regulates us?

Thinking Mortages is a trading style of White Finance Ltd which is an appointed representative of Intrinsic Mortgage Planning Ltd, Wakefield House, Aspect Park, Pipers Way, Swindon, SN3 1SA which is authorised and regulated by the Financial Services Authority. Intrinsic Mortgage Planning Ltd's FSA Register number is 440718.

The permitted business of Intrinsic Mortgage Planning Ltd is advising on and arranging mortgages, general insurance and life insurance.

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.

6. Loans and Ownership

Sanlam Netherlands Holdings BV owns 25.9% of Intrinsic Financial Services' share capital. Friends Provident Life and Pensions Ltd owns 18.2% of its share capital. Bank of Scotland has provided it with an un-utilised loan facility of £3.5m.

6. What to do if you have a complaint

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

In writing: Write to Compliance Department, Intrinsic Mortgage Planning Ltd, Wakefield House, Aspect Park , Pipers Way , Swindon , SN3 1SA .

By phone: Telephone 01793 647400.

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

7. 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.

Mortgages: Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.

(Further information about compensation scheme arrangements is available from the FSCS.)

Insurance: Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.

OUR TERMS OF BUSINESS

This document sets out the terms of business between Intrinsic Financial Services and its clients.

Your Duty of Disclosure

It is your responsibility to provide complete and accurate information to insurers when you take out an insurance policy. It is important that all statements made on the proposal form, or on any additional documentation are full and accurate. Please be aware that if you fail to disclose any relevant information, or any change of circumstances to your insurer then any claim may not be paid. We strongly recommend that the information you provide is checked thoroughly prior to submission.

Acting in your Best Interests

If any material interest or conflict of interest should arise in business that we are arranging for you, we will let you know and ask for your consent before we carry out your instructions.

Your Rights and Client Classification

The FSA has rules which affect the rights you have as a customer.

We classify all our individual customers as 'private' customers. As a private customer you have rights under the Financial Ombudsman Service and the Financial Services Compensation Scheme (FSCS). These are set out in the Initial Disclosure Document - "What to do if you have a complaint" and "Are we covered by the Financial Services Compensation Scheme" sections.

There are other classifications of customer that don't have these rights. These are "Intermediate" customers - such as listed companies, local authorities and larger partnerships or trusts. Also market counterparties (e.g. national governments and other state bodies, banks or regulated financial services firms).

If you'd like to know whether you would be classified as an intermediate customer or a market counterparty, please write to Intrinsic Financial Services Ltd Compliance Department, Wakefield House, Aspect Park , Pipers Way , Swindon , SN3 1SA or to the Financial Ombudsman Service and FSCS.

These Terms of Business will apply from 19/01/2006 and will remain valid until further notice. We reserve the right to change them or anything in them at any time. Either we or you can end them at any time, without penalty and this will not affect any outstanding transactions being carried out on your behalf.

Data Protection Act 1998

The personal information you provide will assist your financial adviser in offering you the best advice as required by the Financial Services and Markets Act 2000. The personal data you provide will be used and stored in accordance with the Data Protection Act 1998. You have a right to access all the personal information that Intrinsic Financial Services holds about yourself. To receive this we must receive a written request including a £10.00 fee made payable to Intrinsic Financial Services.

Client Money

We do not handle Client Money. We never handle cash and will not accept a cheque made out to us (unless it is a cheque in settlement of monies owed to us).

Governing Law

This agreement shall be governed and construed in accordance with the laws of England and Wales . In relation to any dispute, the client irrevocably agrees to submit to the non-exclusive jurisdiction of the English courts.

Registerd Office

Registered Offices White Finance Ltd, 92 Dowanhill Street, Glasgow, G12 9EG, Scotland. Company No. SC289605

Thinking Mortgages is a trading name of White Finance ltd, which is an appointed representative of Intrinsic Mortgage Planning Ltd, which is authorised and regulated by the Financial Services Authority. Intrinsic Mortgage Planning Limited is entered on the FSA register under reference 440718.