The FCA is the independent watchdog that regulates financial services. This section of the website has been designed via guidance from the FCA to be given to consumers considering buying certain financial products. You need to read this important information. It explains the service you are being offered and how you will pay for it.
Mortgages – We offer a range of products after fair analysis of the market.
Insurance – We offer a range of products after fair analysis of the market.
Mortgages: You will receive a mortgage illustration when considering a particular mortgage which will tell you about any fees relating to it.
If we charge you a fee, and your mortgage does not go ahead, you will receive: No refund
Fluent In Money, Marsha Moore T/A Fluent in Money, 25 Homestead Way, Northampton, NN2 6JG is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 489812.
Our permitted business is advising on and arranging mortgages and non-investment insurance business. You can check this on the Financial Services Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768.
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.
Insurance: Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Or for compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.
Mortgages: Mortgage advising and arranging is covered up to a maximum limit of £85,000. Further information about compensation scheme arrangements is available from the FSCS