Calculators - About our mortgages

PRINCIPAL OFFICE
81 UPPER BOND STREET
HINCKLEY
LEICESTERSHIRE
LE10 1DG
0800 434 6343
www.hrbs.co.uk

welcome to hinckley and rugby building society

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 mortgages do we offer?
	We offer mortgages from the whole market We only offer mortgages from a limited number of lenders We only offer our own mortgages
3. Which service will we provide you with?
	We will advise and make recommendations for you after we have assessed your needs
	You will not receive 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 this service?
	No fee
	A fee payable when you apply for a mortgage
You will receive a key facts illustration when considering a particular mortgage which will tell you about any fees relating to it
5. Who regulates us?
Hinckley and Rugby Building Society, 81 Upper Bond Street, Hinckley, Leicestershire LE10 1DG is authorised and regulated by the Financial Services Authority. Our FSA Register number is 206043 Our permitted business is advising on and arranging mortgages You can check this on the FSA's Register by visiting the FSAs website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234
6. What to do if you have a complaint
If you wish to register a complaint, please contact us: …In writing: Write to: Hinckley and Rugby Building Society Mortgage Department, Upper Bond Street, Hinckley, Leicestershire, LE10 1DG …By phone: Telephone 01455 894031 …By email: enquiry@hrbs.co.uk or use the 'Contact Us' form on our website. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service
7. 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 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 compensation scheme arrangements is available from the FSCS