Terms & Conditions

This Site is controlled and operated by Oakhill Mortgage Services Limited from the United Kingdom and complies with English law. Only UK residents may register as users of the Site or apply for any of the services on offer. Further terms and conditions will apply. Those who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with any applicable local laws.

1. No material from this Site may be copied, uploaded, posted, modified or distributed in any way, except that you may download one copy of the materials on any single computer for your personal, home use only, provided you keep intact all copyright and other proprietary notices. The use of any such material on any other Web site or computer environment is prohibited.
2. It is a condition of use of this Site that you accept and agree to the following terms and conditions of Oakhill Mortgage Services Limited ("the Company"). No other terms shall apply unless stated below. These terms may be varied by the Company from time to time and the revised terms will be deemed to apply at the relevant time in respect of your registration. By proceeding to enter the Site you agree to be bound by the following:
2.1 The Company reserves the right to alter or delete material from the Site at any time and may, at any time, revise these terms by updating this posting. You are bound by any such revision and should therefore periodically visit this page to review the then current terms.
2.2 While the Company uses reasonable efforts to include accurate and up to date information in the Site, the Company makes no warranties or representations as to its accuracy. The Company assumes no liability for any errors or omissions in the content of the Site.
2.3 Any third party software which may be downloaded from a site operated by a third party (whether referred to on or linked to this Site) is the responsibility of that party and not of the Company, who shall have no responsibility or liability arising in respect of any loss, damage, viruses or otherwise arising as a result of the downloading by you of such software.
3. Customer Declaration I/We agree that you Oakhill Mortgage Services Limited may search the files of a licensed credit reference agency or agencies, who will keep a record of the search, to confirm my/our particulars and for the purpose of credit assessment. I/We agree that you may provide details of this application to a lending company who will also search the files of a licensed credit reference agency or agencies for the same purpose. A record will be kept of such searches and maybe used by other lenders in assessing future applications for finance by me/us and members of my/our household and for occasional debt tracing and fraud prevention.
4. Further terms and conditions apply in respect of all services offered or described on this Site. These are available to view at the appropriate location on this Site or may be made available at a later time.
5. The Company provides the Site for your general interest and information only. The Company makes no representation or warranties about the accuracy or suitability of any product or purpose of any content of the Site and all other implied warranties are excluded to the fullest extent permissible under English law. By using the Site you hereby agree not to rely on any of the information contained herein. Under no circumstances shall the Company be liable for any direct, incidental, special, consequential, indirect or punitive loss or damages that result from the use of the materials on the Site or the materials in any sites linked to the Site or any services offered on the Site whether by the Company or its commercial partners. The Company shall have no responsibility in respect of any goods or services brought by you from any other organisation referred to on this Site.

PRIVACY STATEMENT
It is important that you are aware of, and give consent to, the manner in which your personal data is used by Oakhill Mortgage Services Limited.

The information you supply to us will be used and processed by us in any media for the purposes of :

i. Providing the information to and searching the files of one or more licensed credit reference agencies (such agencies will keep a record of such search to confirm the information and for the purposes of credit assessment or account administration)
ii. To disclose the information to credit reference agencies when requested by them for consideration of any future applications for finance made by you or members of your household/family or for fraud prevention and/or tracing debtors - the agencies may also disclose your information to other lenders for these purposes
iii. To disclose the information to other potential lenders/mortgagors and/or to mortgage brokers or third parties (e.g. debt counsellors and insurers) for the purposes of assessing your application, and administering and enforcing any subsequent loan which may be granted
iv. Disclosing the data to any third party who replaces Oakhill Mortgage Services Limited in its capacity as broker
v. We use your IP address to help diagnose problems with our server and to administer our Web site. Your IP address is also used for monitoring your method of arrival (link, search engine, etc) and also tracing a typical users path through the site. This information is automatically recorded in our database and used for our own internal purpose only. This information is not passed to any third-parties outside of the Company.
vi. Our site's application form requires users to give us certain demographic information (like their post code, phone numbers etc). Contact information from the application forms is used to send out information about our company from time to time. The applicants contact information is also used to get in touch with the customer when necessary during the loan application process and as required by the company. The information you submit is recorded in
our database. Users may opt-out of receiving future mailings from us; see the choice/opt-out section below. Financial information that is collected is used to check the users' qualifications for the loan application process. We also collect email addresses from the loan application forms. Users may opt-out of receiving future mailings; see the choice/opt-out section below.
vii. Choice/Opt-Out- our site provides users the opportunity to opt-out of receiving promotional/marketing information from us. You can send email to admin@oakhillmortgages.co.uk. You can contact by normal mail - Oakhill Mortgage Services Limited, Oakhill Villas, 700 London Road, Oakhill, Stoke on Trent, Staffordshire, ST4 5NP.

DATA PROTECTION ACT 1998
I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Oakhill Mortgage Services Limited ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent loan which may be granted to me/us.

I/we agree that You and any lender resulting from this application (the "Lender") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:-

i. To provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any loan granted to me/us by the Lender, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the Lender will record false or inaccurate information if this is given by me/us and fraud is suspected.
ii. To disclose the Data to credit reference agencies when requested by them for consideration of any future applications for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other lenders for these purposes)
iii. To disclose the Data to any other company within the Lender's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent loan whether during the course of my/our application or during the lifetime of any loan granted pursuant to such application;
iv. To disclose the Data to any third party who replaces or who may replace my/our Lender.

Prevention of money laundering. The Lender and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.

Right of subject access Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.

The FSA specifies minimum standards of good lending and advisory practice which are to be followed by all lenders and mortgage intermediaries. This company subscribes to these standards and is registered with the FSA.

Our registration number is 306451

We have access to the whole market for sourcing mortgages although problem case mortgages are usually handled by a relatively small number of specialist Lenders. However, there are enough of them for a competitive situation to exist, and we will always be driven by the Client's needs in choosing either one or a number of deals for you to consider. In practice, therefore, we have access to the whole mortgage market, but we usually arrange mortgages from a panel of Mortgage Specialist Lenders.

Confidential
We will treat all your personal information as private and confidential (even when you are no longer a customer) except where disclosure is made at your request or with your written consent in relation to arranging your mortgage. You have the right of access under the Data Protection Act 1998 to your records whether held manually or electronically.

Level of Service
There are three levels of service available. These are:
a) Full advice and recommendation;
b) Information on different types of mortgage products available to allow you to make a choice;
c) Information on a single product only, where no advice is given,
In all cases we offer full advice and recommendation.

During our initial discussion, we will be completing a detailed mortgage questionnaire to enable us to choose an appropriate lender from our panel of problem case lenders for your circumstances.

Broker Status
We are independent and we act solely on behalf of our Clients. We are not appointed agents acting on behalf of any Lender or Insurance Company.

Fees
Oakhill Mortgage Services Limited may receive fees from lenders with whom we place mortgages. Where this occurs we will tell you the amount. We will notify you of any special business relationship we have with any Lender, including the benefits which such relationships provide. We do not allow any special relationship of this nature to influence the advice given to you.

Other Services
In addition to providing you with mortgage advice, we are able to provide you with such of the following services as are indicated.

>> Advice on Buildings and Contents Insurance
>> Advice on Accident, Sickness and Unemployment Insurance
>> Life Insurance
>> Conveyancing

Complaints
Our aim is to provide you with a first class professional and confidential service - should a complaint arise, in the first instance you should contact our office's at the address on the bottom of this page. Thereafter should the complaint not be resolved to your satisfaction, we will assist you in resolving it by referring it to the FSA

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THE OVERALL COST FOR COMPARISON IS 6.8% APR . APR VARIABLE AND BASED ON A USUAL CASE. THE ACTUAL RATE AVAILABLE WILL DEPEND ON YOUR CIRCUMSTANCES. ASK FOR A PERSONAL ILLUSTRATION. EARLY REPAYMENT CHARGES WILL APPLY, THEY WILL VARY DEPENDING ON THE MORTGAGE YOU CHOOSE. ADDING EXISTING DEBTS TO YOUR MORTGAGE WILL BOTH EXTEND THE REPAYMENT TERM AND INCREASE THE OVERALL COST OF THE DEBT.
WE MAY CHARGE A FEE FOR ADVISING AND ARRANGING YOUR MORTGAGE, AN INDICATION OF THE FEE IS FROM MINIMUM £650 TO 2% DEPENDING ON THE SIZE OF YOUR MORTGAGE. THE ACTUAL AMOUNT CHARGED WILL DEPEND UPON YOUR CIRCUMSTANCES .

Oakhill Mortgage Services Limited, 700 London Road, Oakhill, Stoke on Trent, Staffordshire, ST4 5NP
Registered in England & Wales no. 4950423.

Authorised and regulated by the Financial Services Authority registration number 306451. C.C.L. No. 4950423