Terms Of Use
Regulatory
Independent Lending is a trading style of Vitty Alexander Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.
Vitty Alexander Financial Services Ltd trading as Independent Lending is entered on the Financial Services Register here https://register.fca.org.uk/ under reference 435511.
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.
Vitty Alexander Financial Services Ltd. Registered Office: The Old Bank, 997 Abbeydale Road, Millhouses, Sheffield, S7 2QE. Registered in England No.5479920
t: 03333 44 8878
f: 0845 862 7979
e: admin@independentlending.co.uk
Regulatory Jurisdiction
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Complaints
We strive to always provide a first class service to all our clients, however If you wish to register a complaint, please write to us at Independent Lending, The Old Bank, 997 Abbeydale Road, Millhouses, Sheffield, S7 2QE or telephone 03333 44 8878.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.
Terms of Business
Our Remuneration
We accept remuneration on a fee basis and/or a commission basis and the details will be covered in the Key facts about our services, or separate fee agreement issued to you.
Review
Upon you signing our Terms of Business document, we shall undertake to review your mortgages and insurance products from time to time. In particular, we shall contact you within 4 months of the expiry of your existing mortgage product.
Termination
These terms of business may be terminated at any time, by either party notifying the other in writing. This will be without penalty and without prejudice to the completion of transactions already commenced on your behalf. You would be expected to pay for any costs incurred or a due proportion of any fees previously agreed.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.