About our service

Kingsbury Financial Services Ltd
43 High St.
Thornton Heath
Surrey
CR7 8RW

1. The Financial Services Authority (FSA)

The FSA is the independent Watchdog that regulates financial services. It requires us to give you this document. Please use this information to decide if our services are right for you.

2. What products do we offer?

Investments
We do not advise on investments, but can introduce you to another Appointed Representative of Personal Touch Financial Services Ltd, who will be able to select products from the whole market.

Mortgages
We select Mortgages from the whole market.

2. What products do we offer? Continued

Lifetime mortgages and home reversion schemes
We do not advise on Lifetime mortgages and home reversion schemes, but can introduce you to another Appointed Representative of Personal Touch Financial Services Ltd, who will be able to select products from the whole market.

Insurance
We select products from a range of insurers for Life, Critical Illness Insurance and Permanent Health Insurance.

We only deal with products from a limited number of insurers for Accident Sickness and Unemployment, Domestic and Commercial Buildings and Contents. Ask us for a list of insurers and products we offer insurance from.

3. Which services will we provide you with?

Insurance
We will advise and make recommendations for you after we have assessed your needs.

Mortgage
We will advise and make recommendations for you after we have assessed your needs.

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

Investments
Before providing you with advice, we will give you our key facts guide to the cost of our services.

Pure Protection Products
No fee will be charged.

All other General Insurance
No fee will be charged.

You will receive a quotation, which will tell you about any other fees relating to any particular insurance policy.

Mortgages, lifetime mortgages and home reversion schemes
No fee will be charged. We will however be paid commission by the lender.

We will charge you Fixed Fees as detailed on the fee agreement as well as receiving commission from the lender on completion of the mortgage.

Fixed Fees

We will charge the fixed fees as follows:

Initial Personal Financial Review	Free
Extensive Product Research	Free
Presentation and Recommendation Visit	Free
Processing of application	£199
Suitability Report detailing your current situation and suitable recommendations	Free
Charge for additional work required for non-conforming mortgages	£150

Where we intend to charge a fee for the services detailed above or rebate commission we will confirm this to you in advance by written agreement

If we charge you a fee, and your mortgage does not go ahead you will receive:

No refund if you decide not to take out a mortgage.

You will receive a key facts illustration when considering a particular mortgage which will
tell you any fees relating to it.

5. Who regulates us?

Kingsbury Financial Services Ltd is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Services Authority. Personal Touch Financial Services Ltd FSA Register number is 187834.

Personal Touch Financial Services Ltd is permitted to advise on and arrange transactions in  Investment and Pension policies, mortgages, lifetime mortgages and general insurance .

You can now 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.

Home Reversion Schemes are not regulated by the FSA

6. What to do if you have a complaint

If you wish to register a complaint, please contact:

In Writing – The Compliance Manager, Personal Touch Financial Services Ltd., Cheshire House, High Street, Knowle, B93 0LL

By Phone – 0870 990 8512

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. The Financial Ombudsman Service does not consider complaints about home reversion schemes.

7. Are you 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.

Investment
Most types of investment business are covered for 100 per cent of the first £30,000 and 90 per cent of the next £20,000 so maximum compensation if £48,000.

Insurance
Insurance advising and arranging is covered for 100 per cent of the first £2,000 and 90 per cent of the remainder of the claim, without any upper limit.

Mortgages, Lifetime mortgages and home reversion schemes
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. Home reversion schemes are not covered by the FSCS.

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