Terms of Business

1. Regulatory Status

Complex Income Mortgages is a trading style of MarketMedia Ltd, which is an Appointed Representative of Echo Finance Ltd. Echo Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is 570073.

You can check this on the Financial Services Register by visiting the FCA's website register.fca.org.uk or by contacting the FCA on 0800 111 6768.

2. Our Service

We offer a comprehensive range of mortgage products from across the market. We do not limit ourselves to a single lender or a small panel of lenders, ensuring we can provide specialist advice for complex income scenarios, including retained profits, day rates, and director dividends.

We will advise and make a recommendation for you after we have assessed your needs and circumstances.

3. Fees and Commission

Our Initial Consultation: There is no fee for our initial consultation or for providing you with an initial illustration of borrowing potential.

Broker Fees: For our professional services in arranging your mortgage, a fee may be payable. This is typically £495, payable upon the issuance of a formal mortgage offer. The exact amount will depend on your circumstances and the complexity of the case, and will be confirmed in a personalized Key Facts Illustration (KFI) or European Standardised Information Sheet (ESIS) before you proceed.

Commission: We will receive a commission from the lender when your mortgage completes. This commission is separate from any broker fee you pay us. We will tell you the amount of commission we will receive before you apply for a mortgage.

4. Instructions

We normally accept instructions in writing (by email or via our secure portal). We may accept oral instructions at our discretion, but we will always confirm these in writing.

5. Complaints

If you wish to register a complaint, please contact us:

• In writing: Complex Income Mortgages, 86-90 Paul Street, London, EC2V 4NE
• By phone: 0333 050 1311
• By email: help@complexincome.mortgage

If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service. Full details can be found on our Complaints Procedure page.

6. Client Money

We do not handle client money. We never accept a cheque made out to us (unless it is a cheque in settlement of our fees or disbursements for which we have sent you an invoice) or handle cash.

7. Data Protection

Any personal information you provide to us will be processed in accordance with our Privacy Policy. We will use your data to provide the services requested, comply with regulatory requirements, and prevent fraud.