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By clicking Register you are accepting the following End User License Agreeement, please read carefully: End user license agreement for The Joint Equity Partners Area:
1. Before buying your property through The Joint Equity Scheme, you will need to receive independent financial and legal advice.
This is a requirement of all Joint Equity mortgages.
Joint Equity does not provide financial advice, but our Mortgage Broker Partners, such as Mortgage Beaters Ltd, can help you with this.
Independent legal advice must be provided by a solicitor of your own selection. If you do not already have a solicitor, your Estate Agent may be able to recommend one.
2. This Illustration is provided in association with Mortgage Beaters.
Joint Equity Ltd works with Mortgage Beaters Ltd to provide illustrations to prospective Owner-Partners & Investor-Partners. If you require any financial advice in relation to our illustrations, please contact:
Mortgage Beaters Ltd on 0870 9988777
And ask to speak to the Joint Equity mortgage advisor Roy Bookman
About Mortgage Beaters Ltd:
• Mortgage Beaters Ltd is authorised and regulated by the Financial Services Authority.
• Their FSA Register number is 301489.
• Mortgage Beaters’ permitted business is to advise on and arrange mortgages and general insurance.
• 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.
• You can read more about Mortgage Beaters Ltd by going to www.mortgagebeaters.co.uk.
If you wish to register a complaint regarding financial advice, please contact Mortgage Beaters:
• in writing. Write to: Compliance Officer at Mortgage Beaters, Lansdowne House, City Forum, 250 City Road, London. EC1V 2QZ.
• by phone Telephone: 0870 99 88 777
If you cannot settle your complaint with Mortgage Beaters, you may be entitled to refer it to the Financial Ombudsman Service.
3. Joint Equity Illustrations are an indication only.
Illustrations generated through the Joint Equity Partners Area are as accurate as possible, even though they are only intended to provide you with an indication of your likely costs and savings if you buy a property through The Joint Equity Scheme. However, the figures shown may change slightly between your initial illustration and a mortgage offer.
If you decide to buy a property through The Joint Equity Scheme, and make a mortgage application, you will be provided with a Key Facts Document by your Mortgage Broker. This is an accurate demonstration of mortgage costs, and so you will be able to make your final decision with all the information at hand.
4. Joint Equity is not regulated by the FSA (Financial Services Authority).
The Financial Services Authority (FSA) is the body which authorises and regulates businesses and individuals that advise on and sell certain financial products, for example, insurance and mortgages. The Joint Equity scheme does not fit within any FSA-regulated activity and so Joint Equity Ltd is not authorised to carry out any regulated activities by the FSA. In addition, it is not possible for Joint Equity Ltd to apply for “voluntary” authorisation because the Joint Equity scheme falls outside those activities that are regulated by the FSA. To maintain our open approach, and for the avoidance of any doubt, we would like to make it very clear to you that:
1. Joint Equity Ltd is an introducer in relation to mortgages, not a mortgage arranger or adviser – mortgage advice will be provided to you by one of our panel of FSA-regulated mortgage advisers;
2. There are no cross shareholdings between Joint Equity Ltd and any of the mortgage advisers that it deals with; and
3. Joint Equity Ltd does not receive a fee from any of the mortgage advisers that it deals with for any introduction.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
5. Treating Partners Fairly
Although Joint Equity Ltd is not FSA regulated, our customer service and company culture is in advance of the FSA Treating Customers Fairly guidelines.
So, we have developed a Treating Partners Fairly Policy, which is available from our website at www.jointequity.co.uk/treating.html.
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