Protea Financial Services
If you have any queries or wish to make an appointment, please contact us:
+44 333 3556295 (local call rate)+44 333 3556295 (local call rate)
Or use our contact form.
We get paid for our services through a combination of fees and or commission.
The fees that we charge depend upon your individual circumstances and the amount of work that is likely to be involved, but we are open and transparent about everything and agree our charges before we start any work for you. Our fees are very competitive and because of this and the service that we offer, a large proportion of our business is from existing clients and referrals.
Fees can vary based upon circumstances surrounding individual cases. We will discuss your requirements and agree an appropriate fee structure having determined the scope of the work required before starting any work. Fees pay for the research required to get to the stage where we can make an appropriate recommendation about how to proceed based upon all the information provided. Fees also cover the cost of our time in case the mortgage does not proceed for whatever reason. When the mortgage goes ahead, we are paid a commission by the lender (which is also disclosed at the outset).
Life Assurance and Other Protection
We do not charge fees for arranging any protection for you. Whichever provider we recommend and process your policy with will pay us commission which we will disclose to you before we make any application on your behalf.
Mortgage Capacity Reports
These reports are very specialised and are suitable for use at Court. We will discuss your requirements and agree an appropriate fee structure having determined the scope of the work required before starting any work. Fees are payable upon instruction (prior to commencement of research which begins as soon as we have received all the necessary information from you or your solicitor). Our service standard is that we would aim to produce a report within 5 working days of being instructed.
We do not charge fees for helping you to place any policies in trust.
The Financial Conduct Authority do not regulate certain types of Buy To Let / Commercial Mortgages.
All loans are subject to a credit search, valuation and in some cases status enquiries by the lender.
A Protection plan will have no cash in value at any time, and will cease at the end of the term.
If premiums are not maintained, then cover will lapse and you may not be covered if a claim is made.
The information contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
Information contained on the website does not constitute advice and decisions should not be made based solely on the information on the website. Individual advice should be sought.