Terms Of Business

ACCURACY

While every effort is made to ensure that the information contained in this site is correct, Giles Finance makes no warranty express or implied as to the nature or accuracy of any such material to the extent permitted by applicable law.

Giles Finance & Consultancy Services may make changes to any content and information contained on this site, at any time without notice.

ARE COOKIES USED AND IF SO, HOW?

‘Cookies’ are small pieces of information that are stored in your browser on your computer’s hard drive. Our cookies are used for the management and administration of the site only. They do not contain any personally identifying information.

ARRANGEMENT FEE

Payable to the Buy to Let mortgage lender for the administration of the case. This can be added to the overall Buy to Let loan or paid upon submission of the application.

BOOKING FEE

A charge for securing a certain Buy to Let mortgage rate, usually only found on Buy to Let fixed rates.This must be paid upon submission of the application.
A small percentage of Buy to Let mortgage lenders will also apply the following fee:Please see application fee scale below.

BUY TO LET MORTGAGE

We will not charge you broker fees for arranging a Buy to Let Mortgage however broker fees will apply to all Commercial Mortgages. Some of the following lender fees may apply.These will be fully outlined in a key fact illustration issued.

COMMERCIAL MORTGAGE

We shall charge you application and broker fees for arranging a Commercial Mortgage. Because Commercial Mortgage Finance is mainly on bespoke basis, we do not have a set standard fee scale. However we promise to minimise your cost as best as we can.
Please fill out an enquiry form and we will call you back to discuss.

COPYRIGHT

The legal ownership and any copyright or other intellectual property rights in the site and its design, text, graphics, software and all other material on the site belong to Giles Finance & Consultancy Services. You may only download content or view and/or print hard copies for private or non commercial use and no part of the site or its material shall otherwise be produced, transmitted or made available on a network without the prior written permission of Giles Finance & Consultancy Services.

Giles Finance & Consultancy Services may make changes to any content and information contained on this site, at any time without notice.

FRAMING/LINKING

Any framing of or linking to this site is prohibited without the prior written permission of Giles Finance & Consultancy Services.

IS THE INFORMATION TRANSFERRED TO A THIRD PARTY?

No. Giles Finance do not sell, trade or rent your information to others.

LEGAL DISCLAIMER

Giles Finance & Consultancy Services is providing this web site on an ‘as is’ basis and makes no representations or warranties of any kind with respect to this website or its contents and disclaims all such representations and warranties.

LEGAL FEE

The Buy to Let mortgage lender will use the same solicitor as the customer (the practice must have 2 or more partners).All legal fees are payable by the customer, as and when required by their solicitor.

A small percentage of Buy to Let mortgage lenders will also apply the following fee:Please see application fee scale below.

OFFER AVALIABLE TO ENQUIRIES MADE VIA WEBSITE ONLY.

SOME LENDER FEES MAY APPLY. PLEASE VISIT OUR “FEES” SECTION

PRIVACY POLICY

Giles Finance & Consultancy Services are committed to ensuring that your privacy is protected. This policy explains how Giles Finance & Consultancy Services use any information collected about you.

SECURED LOANS

Giles Finance will charge you for aranging secured loans.

Please note that Giles Finance & Consultancy Services reserves the right to make changes to these prices without prior notice.Please fill out an enquiry form and we will call you back to discuss.

TERMS OF BUSINESS

It is very important that you read these terms and conditions before using this site. It will help to make our role clear to you. By using the site you agree to the terms and conditions set out below and in our Privacy Policy.

VALUATION FEE

Payable to Giles Finance & Consultancy Services for arranging the actual property valuation which is required by the Buy to Let mortgage lender.Please note that a copy of this valuation is normally only sent to the Buy to Let mortgage lender. This fee is non-refundable must be paid upon submission of the application together with the application fee.
Please see application fee scale below.

WHAT DO WE DO?

We will provide you information on various buy to let products to help you arrive at a meaningful decision that suits your financial needs.

WHO ARE WE?

Giles Finance & Consultancy Services.

We are not a lender and do not act on behalf of any lender in providing mortgage information. The lender’s terms will apply to any application you make through us.FSA does not regulate Buy to Let Mortgages,Commercial Mortgages, National Savings Accounts & Taxation advice.

WHAT ARE OUR CHARGES?

There will be a maximum brokerage fee of 1% of loan amount on Buy to Let and Investment mortgage services. There will be a charge for Commercial Mortgage arrangements.

WHAT INFORMATION IS COLLECTED AND WHY?

When you make an enquiry, send a quotation or join our mailing list you provide your name and contact details. This allows Giles Finance & Consultancy Services to fulfil the request and make a follow up telephone call or email. The information also allows Giles Finance & Consultancy Services to answer your enquiry or keep you up to date with market or product developments.