Information About Our Mortgage, Buy To Let Mortgage and Insurance Services & Client Agreement — The Mortgage Geezer · Access Financial Services Limited · v2 2026
The following information is to help you decide if our services are right for you. It is important to us that you understand the services we are providing, so please take time to read this document carefully. If you have any questions, please do not hesitate to ask your advisor.
First Charge Regulated Mortgages: We will provide you with advice and our recommendation after we have assessed your needs and circumstances.
For clients over the age of 55 looking to release existing equity from their property (commonly called Equity Release), we will include lifetime mortgages as part of our consideration. We do not consider or recommend home reversion plans.
Second Charge Regulated Mortgages: In some cases, it may be more appropriate to take out a second charge mortgage, where additional money is borrowed from a different lender to your existing lender without repaying your existing mortgage. We will advise and make a recommendation for such a product, if appropriate having assessed your needs and circumstances. We may also offer a referral service to one of our trusted partners.
Commercial and Buy to Let (BTL) Mortgages: We will provide you with our advice and a personal recommendation after we have assessed your needs and circumstances. Please note that our recommendations with respect to Commercial and Buy to Let are restricted to helping you arrange a suitable mortgage. We will not advise you about whether the property you plan to buy will turn out to be a sound investment or provide any tax advice.
Insurance: We will provide you with our advice and a personal recommendation after we have assessed your needs and circumstances. We are an intermediary (not an insurer), and we act on your behalf.
Mortgages
We offer a comprehensive range of first charge regulated mortgage contracts from over 65 lenders but not deals that you can only obtain by going direct to a lender.
In circumstances where you are looking to increase existing borrowing, the following options, on which we may not be able to advise, may be more appropriate:
For lifetime mortgages, we offer a comprehensive range of products but not deals that you can only obtain by going direct to a lender.
Buy to Let (BTL) Mortgages
We offer a comprehensive range of Buy to Let (BTL) and Consumer Buy to Let (CBTL) mortgage contracts from over 65 lenders but not deals that you can only obtain by going direct to a lender.
Insurance
We offer products based on a fair and personal analysis for term assurance, critical illness, income protection, family income benefit, accident & sickness insurance, private medical insurance, and non-profit whole of life.
Building & Contents Insurance
We will provide advice and make a personal recommendation from a panel of providers for you after we have assessed your needs and demands. We provide an intermediary service and act on your behalf. A list of panel providers is available on request.
Mortgages
Your initial consultation is free, and we will confirm whether we can help you.
We may charge a fee for our advice service which will depend on what mortgage you need, your financial circumstances, and the complexity of what you want. Our typical broker fee is £995.
However, in complex cases (such as Buy to Let/Foreign National & Expatriate/Debt Consolidation/Non-Standard Income/Self Build/Bridging Finance/Commercial mortgage/Later Life Lending) the fee may increase to a maximum of 1%. For example, if your mortgage was £250,000 the maximum fee you would pay would be £2,500.
We will inform you at the outset if we feel we need to increase the typical broker fees. We will always explain exactly what you will be charged before you sign our "fee authority to proceed" document if applicable.
You will receive a personalised Key Facts Illustration (KFI) / European Standardised Information Sheet (ESIS) for the mortgage we recommend. This will tell you about any fees relating to it, and the commission we will be paid.
In the case of a Second Charge Mortgage, we will charge a typical broker fee of 1.5% of the total loan value (Maximum £5,000).
If an application is submitted via a third-party specialist (sometimes called a packager) we will be paid commission by them instead of the lender. This will be disclosed to you.
Insurance
We arrange the policy with the insurer on your behalf. We do not charge you a fee for doing this. We receive commission from the insurer which is a percentage of your total annual premium. We will never recommend a policy based on the amount of commission we may receive.
If we charge you a fee, and your mortgage does not go ahead, you will receive: No refund.
You must be honest and transparent in the information you provide. Incomplete or inaccurate information about you, your health, any existing products you hold, your financial history or any property you are mortgaging could impact our advice and result in a less suitable recommendation. In the worst case, it may result in your mortgage or insurance becoming void, and if considered fraudulent impact your future ability to obtain credit or insurance.
If your circumstances change before the completion of your mortgage or your insurance application, you should inform your advisor immediately so they can ensure the advice given is still relevant and make any appropriate adjustments. You should check all information and documents provided to ensure they accurately reflect your circumstances and expectations.
Do not hesitate to contact your advisor if you have questions or concerns.
We have a regulatory duty to advise you of foreseeable risk and recommend ways to mitigate those risks. As part of this process, we may recommend that you work with a trusted partner to do so. We may receive a referral fee from these partners.
We are committed to ensuring good advice and outcomes regardless of needs and circumstances, including any disabilities or vulnerabilities. Please let us know of any such circumstances or needs you may have so that we can ensure they are accommodated.
We are committed to providing the highest standard of advice and service possible. The interest of our customers is paramount to us. In doing so, we will:
The security and protection of your data is important to us. Full details on how we process and use your information is included in the Privacy Notice provided with this document.
We are required by law to confirm your identity and will require proof of identification. This means we need evidence of who you are and where you live. If the service is being provided to a legal entity (for example, a limited company or partnership) we are required to verify the identity of the beneficial owners, Directors, or partners. This is to comply with money laundering regulations.
We may attempt to check your identity electronically based on information we hold. We may also pass on and exchange information with appropriate agencies to carry out those searches and checks. Electronic identity checks will leave an enquiry footprint on your credit file for each check carried out but will not affect your credit score. In making use of our services, you confirm your acceptance of our use of credit reference agencies which will result in such a record.
By acknowledging this agreement you are giving us permission to contact you by phone, SMS, WhatsApp and email. If you wish to opt out of any communication, whichever method, please contact us and we will update your permissions accordingly.
By acknowledging this agreement you are giving us permission to contact you in the future on at least an annual basis and certainly at least 6 months before your current mortgage rate is due to change. This is to offer further support to help you achieve your long-term goals.
If you need to make a complaint, please contact us:
Write to: Access Financial Services Limited, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN
Email: compliance@accessfs.co.uk
Telephone: 0800 999 3939 (Mon-Fri 9.00am to 5.30pm)
If we do not resolve the complaint to your satisfaction, you may also contact The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Telephone: 0800 0234567. Email: complaint.info@financial-ombudsman.org.uk
Please note the Financial Ombudsman will not be able to assist where your complaint relates to a BTL mortgage, unless you or a family member live or intend to live at the property. Any claims can only be brought in the UK.
The Mortgage Geezer is a trading style of Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford MK19 6AN, which is authorised and regulated by the Financial Conduct Authority (FCA). Access Financial Services Ltd.'s Financial Services Register number is 301173.
The FCA is an independent watchdog that regulates financial services. Access Financial Services Ltd.'s permitted business is advising, arranging (bringing about) and making arrangements with respect to regulated mortgage contracts (some of which may be Buy to Let finance) and non-investment insurance contracts.
You can check this on the Financial Services Register at https://www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768.
In most cases, advising on and arranging Buy to Let mortgages is not regulated by the Financial Conduct Authority. However, where you or a close relative intends to occupy the property, or if you or a close relative have lived in the property before then these are likely to be regulated by the Financial Conduct Authority.
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations.
Mortgage advising and arranging is covered up to a maximum limit of £85,000.
Buy to Let (BTL) Mortgage: Most BTL mortgages are not covered by the FSCS. However, if a close family member will be renting the property, then you may be covered.
Insurance advising and arranging is covered for:
Further information about the compensation scheme is available from the FSCS.
This agreement will be governed by and constructed in accordance with the laws of England and Wales, and any dispute will be subject to the exclusive jurisdiction of the courts of England and Wales. We shall not be in breach of this Agreement, and we shall not incur any liability to you if there is any failure to perform our duties due to any circumstances reasonably beyond its control.
The terms of business of this Client Agreement will come into effect from the date of issue. The authority to act on your behalf may be terminated at any time without penalty by either party giving 7 days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date.