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	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
		We offer products from a range of insurers for life & critical illness cover.
		We only offer products from a limited number of insurers. Ask us for a list of the insurers we offer insurance from.
		We only offer products from Paymentshield for Buildings & Contents cover, and from D&D Homecare for Accident, Sickness & Unemployment cover.
		Mortgages
		We offer mortgages from the whole market.
		We only offer mortgages from a limited number of lenders. Ask us for a list of the lenders we offer mortgages from.
		We only offer mortgages from a single lender.
	3. Which service will we provide you with?
		Insurance
		We will advise and make a recommendation for you after we have assessed your needs for life, critical illness cover, home & contents insurance, accident, sickness & unemployment cover, permanant health insurance and private medical cover.
		You will not receive advice or a recommendation from us for life, critical illness cover, home & contents insurance, accident, sickness & unemployment cover, permanant health insurance and private medical cover. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
		Mortgages
		We will advise and make a recommendation for you after we have assessed your needs.
		You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
	4. What will you have to pay us for our services?
		Insurance
		No fee.
		A fee.
		You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
		Mortgages
		No fee, we will be paid by commission from the lender.
		A fee.
		You will receive a key facts illustration when considering a articular mortgage which will tell you about any fees relating to it.
	5. Refund of fees
		If we charge you a fee, and your mortgage does not go ahead, you will receive:
		A full refund.
		No refund.
	6. Who regulates us?
		Mortgage Reduction Specialists (UK) Ltd, Brookside House, Brookside Business Park, Cold Meece, Stone, Staffordshire, ST15 0RZ is authorised and regulated by the Financial Services Authority. Our FSA Register number is 303562. Our permitted business is advising on and arranging mortgages and non-investment insurance business. 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.
	7. What to do if you have a complaint
		If you wish to register a complaint, please contact us:
		...in writing: Write to: Mortgage Reduction Specialists (UK) Ltd, Complaints Department, Brookside House, Brookside Business Park, Cold Meece, Stone, Staffordshire, ST15 0RZ
		...by phone: Telephone: 08700 42 04 62
	8. 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.
		Insurance
		Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without upper limit.
		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 the compensation scheme arrangements is available from the FSCS.
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