We are committed to offering our customers the highest possible standards of service . We are pleased to support the Financial Services Authority initiative 'Treating Customers Fairly'

We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in our dealings with you

Our commitment to you

We will :

• Provide you with clear information about the products and service we offer including fees and charges.
• Ascertain your individual needs , preferences and circumstances before recommending a mortgage
• Only recommend a mortgage that we consider suitable for you and that you can afford from the range of options.
• We will not recommend a mortgage if we dont feel its suitable.
• Provide you with information and access to information to improve your understanding.
• Encourage you to ask if you dont understand.
• Give you access to a formal complaints procedure if you are unhappy with our service.

• Tell us as much information about yourself , for example income and expenditure
• Lets us know about any changes that may affect your ability to pay a mortgage.
• Let us know that if there is anything that you dont understand
• Tell us if there are any ways that we can improve our service.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT
KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME
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