Tricon Ltd INITIAL DISCLOSURE DOCUMENT AND TERMS OF BUSINESS

These terms of business apply to the following brand names or trading names within Tricon Limited. Space Cow, self-certcommercialmortgages.co.uk,

Confirmation of accepting terms.

By reading this documents and continuing to complete our enquiry form you accept the terms fully. A printed version of these terms of business is available from our web site system or by telephone on 01235 559527. A printed terms of business document will be posted to you if you are unable to print one yourself from our web site system. We charge a fee for arranging your mortgage please refer to the section below for full details.
What we provide.
We work solely for our clients and customers in sourcing a mortgage product that is suitable for requirements, that takes into account affordability, customer preferences, speed and any other circumstance given in the commercial mortgage enquiry form.
Enquiries may be made only by completing the enquiry form on our web site. We have no facility for offering paper enquiry forms.
Our advice is based on understanding your circumstances and the suppliers of business finance over many years.
Whose mortgages and loans do we offer?
We work in conjunction with a number of specialist lenders, banks, master brokers all with commercial and business expertise.

What  will you have to pay us for this service?
We will charge you a fee of 1% of the loan or mortgage amount with a minimum of £1000 (or whatever is agreed subject to negotiation) for arranging and processing your finance. There may be an up front fee depending on whether a property valuation is required, a business plan has to be prepared or advice extends beyond placing a loan. Proposition assessments may be charged but this will be quoted before and work is carried out. The full fee for arranging the finance will be payable at 50% on receipt of the offer of finance and 50% on completion of the finance.

Up-front fees
Please see paragraph on what you will have to pay for this service.

Confidentiality
We will treat all your personal information as private and confidential (even when you are no longer a customer) except where we are permitted by Law or where disclosure is made at your request or with your consent in relation to arranging your mortgage. You have the right of access under the Data protection Act 1998 to your personal records held on our files.
Please note that to obtain an agreement in principle from a lender this will require a full credit search. This search may also reveal persons linked to your address and a search may leave a footprint on your credit file and possibly any person or persons linked to you or your address. For us to assess your enquiry if you inform us you have an adverse credit history we will search the register of county court judgments before we match your enquiry to one or more products. By completing the enquiry form you automatically agree to this.
By submitting an enquiry to us you accept all the above conditions.

What to do if you have a complaint
We aim to provide you with a first class professional and confidential service. We have internal procedures for handling complaints fairly and promptly and should a complaint arise you should contact our  Compliance Officer at Tricon Ltd. PO Box 8 Abingdon, Oxon. OX14 4GT or telephone 01235 521001 Thereafter should the complaint not be resolved to your satisfaction we will assist you in resolving it by referring it to the Financial Ombudsman Service scheme of which we are members.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

Commercial mortgages are not regulated by the FSA therefore we cannot offer access to the Financial Services Compensation Scheme

Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.