Graham Naylor grew up in Worsthorne, a village on the outskirts of Burnley, Lancashire where he enjoyed art and music as well as an active outdoor lifestyle, exploring his natural surroundings, bmx-ing and mountain biking. After stints in Manchester and Australia, he moved to ‘the big smoke’ in 2005 to pursue his career as a…
Terms of Business
Share to Buy Ltd is authorised and regulated by the Financial Conduct Authority to arrange regulated mortgage contracts and for making arrangements with a view to regulated mortgage contracts, under Part IV of the Financial Services and Markets Act 2000.
We will offer information on a range of mortgage products which may meet your needs based on the information which has been provided to us. We provide information from the whole of the market and will arrange for you to make an application.
Full details of any product we may arrange for you, for example the minimum duration of the product, information on the right to cancel or whether no right to cancel arises, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before the conclusion of the contract.
Share to Buy Ltd is not permitted to handle clients’ money and we cannot accept a cheque made out to us or handle cash, unless it is in respect of a fee payable to Share to Buy ltd.
Any products we have arranged for you, will not be kept under review. However, we may contact you in the future by means of an unsolicited promotion should we wish to contact you concerning a product or service which we feel may be of interest to you.
You or we may terminate our relationship at any time without penalty.
We are covered by the Financial Services Compensation scheme. 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. Further information about compensation arrangements is available from the Financial Services compensation Scheme.
We maintain professional indemnity as required by the FCA for the purposes of protecting our clients from serious loss arising from professional negligence on the part of Share to Buy Ltd. This cover is maintained in addition to any other protective arrangements that may be provided.
You have no right to cancel a regulated mortgage contract once concluded other than by redemption; however, you may cancel a mortgage application at any time; you will be informed of any charges for cancellation before your application is submitted. To cancel an application you should write to or email Share to Buy Ltd. at P.O. Box 11998, Sudbury CO10 3BS. If you have requested and paid for a valuation, home buyers or structural survey, which has already been completed when your request to cancel is received, the fees for the survey will not be returned. Any other sums received will be returned within 30 days of receipt of your notification to cancel.
In most cases you can exercise a right to cancel, by withdrawing from the contract purchased though us. In general terms you will normally have a 30 day cancellation period for a life policy and a 14 day cancellation period for all other policies. The start of the cancellation period will normally begin, for pure protection policies, when you are informed that the contract has been concluded or, if later, when you receive the contractual terms and conditions.
If for any reason you need to complain about the service you received from the company or a product that you have bought from the company, please write to Stephen Dwelley at Share to Buy Ltd, P.O. Box 11998, Sudbury CO10 3BS. Our telephone number is 0345 686 0812. If following our investigation and reply to you, you are still not satisfied with the outcome, you may contact the Financial Ombudsman Service (FOS). Full details of the FOS is contained within our complaints procedure, which is available at any time on request.
Any products or services provided by Share to Buy Ltd will be subject to the laws of the United Kingdom.
All communications will be provided in the English language.
We will keep all your personal information private and confidential, even when you are no longer a customer, except where disclosure is made at your request or with your consent. Under the terms of the Data Protection Act, you have the right to view any personal data we may keep on you.
In order to process your mortgage application it may be necessary to disclose your information to third parties, such as the Financial Conduct Authority or obtaining compliance advice. Some of these parties may hold this information indefinitely. You agree that personal information held by us may be disclosed on a confidential basis and in accordance with the Data Protection Act 1998 to any such third parties. You also agree that this information may be transferred electronically, e.g. email, and you agree that ourselves, or any such company, may contact you in future by any means of communication which we consider appropriate at the time.
I have read the above terms and conditions and fully consent to the terms imposed and I authorise the transfer of information, on a confidential basis when fully warranted between any such third parties. I acknowledge that the Terms of Business letter will come into effect from the date of issue. I also confirm that I am happy to give Share to Buy Ltd my express consent to contact me concerning my mortgage in the future.
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