All Types of Mortgages Limited

Terms and Conditions

1. Introduction

1.1 These terms set out the general conditions under which All Types of Mortgages Ltd's (AToM) services are to be provided to clients, including details of the specific services required and any charges for these services. This must be read in conjunction with AToM’s About Our Services and Fees documents which will be provided as part of our interview process.

2. Obligations

2.1 The client agrees to provide All Types of Mortgages Ltd (AToM) with full and frank details about their personal, financial and other circumstances including knowledge and experience, risk appetite, ability to tolerate losses, capacity to accept losses and the client’s aims and objectives in respect of any financial needs. The client has the legal capacity to enter into this agreement.

2.2 AToM confirms that it has the necessary delegated regulatory permissions to provide advice and services in those areas disclosed in AToM’s About Our Services and Fees document.

2.3 The client agrees to appoint AToM as their agent.

2.4 AToM agrees to act as the agent for the client in relation to the services agreed at clause 3 below.

2.5 Unless otherwise confirmed in writing, AToM agrees to treat the client as a Retail Client.

3. Service

3.1 AToM agrees to conduct an analysis of the personal information provided by the client at the time of entering into the agreement and determine, based upon this information, that all existing arrangements held in the name of the client are still suitable and, in the client’s, best interest or not, and report to the client details of this analysis.

3.2 AToM will provide advice having assessed the clients demands and needs (in respect of Mortgages and non-investment protection) and conduct a holistic analysis of the client’s mortgage and non-investment protection plans that fall within the regulated permission of AToM, and make personal recommendations in these areas.

3.3 AToM will use the information provided by the client and cannot be held responsible for any non-disclosed details that may subsequently effect the application or lender decision where it would be reasonably expected for the client to make AToM aware of such information.

3.4 The lender's decision is always final and is based upon receipt of a completed application form or Decision in Principle form and supporting documents.

3.5 AToM recommends that clients should not instruct solicitors and incur costs until case has been fully agreed by the lender in question.

4. Payment

4.1 A processing fee (including valuation fee) will be required with the mortgage application. Our actual fees are available in PDF format on request.

4.2 Payments for services will be made to In Partnership or AToM and not to a named individual.

5. Cessation of the Agreement

5.1 The client agrees to settle in full any outstanding payments due to AToM at the time of the termination of their agreement. AToM agrees to provide the client with full details of all incomplete transactions at the time of the termination of the agreement, to assist the client in achieving completion of these.

6. Marketing

6.1 AToM will not use the client’s personal details for the purpose of marketing other services and products offered by AToM, unless the client has recorded and expressed willingness and consent to receive such marketing within the registration and application processes. The Privacy policy can be accessed here.

7. Authorisation and Regulation

7.1 AToM are an appointed representative of In Partnership which is authorised and regulated by the Financial Conduct Authority. In Partnership’s Financial Conduct Authority registration number is 192638.

The address of the Financial Conduct Authority is:

25 The North Colonnade,
E14 5HS

7.2 In Partnership’s permitted business is advising, arranging (bringing about) transactions in home purchase plans, home reversion plans, investments, P2P agreements, pension transfers, pension opt outs, regulated mortgages, consumer buy to lets, business buy to lets and non-investment insurances.

7.3 9.You can check this on the Financial Services Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768.

8. Conflicts of Interest

8.1 AToM will always act honestly, fairly and professionally when conducting business with you.

8.2 AToM will make you aware of the existence of any conflict of interest that we are aware of, which arises between the work we are doing for you and any of our other clients or ourselves, and obtain your consent to continue before we carry out your instructions.

8.3 AToM will take all reasonable steps to prevent conflicts of interest and to ensure your fair treatment where one does arise. A copy of our conflict of interest policy is available upon request.

9. Compensation Information

9.1 AToM meets the requirements of the FCA rules regarding financial resources, including provisions regarding holding and maintaining appropriate professional indemnity insurance.

9.2 We are also covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. The value of this compensation depends on the type of business and the circumstances of the claim, as follows:

Insurance - Insurance advising and arranging is covered for 90% of the claim without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.
Home Finance Products - Mortgages, Home Purchase Plans and Equity Release advising and arranging is covered up to a maximum limit of £50,000.

9.3 Further information about compensation scheme arrangements is available from the FSCS.

10. Client Money

10.1 We do not have the authority to hold client money and do not operate a client account for the receipt and payment of client money in respect of investment transactions. All client money should be paid to the product provider concerned.

11. Confidentiality and Data Protection

11.1. Some or all of the information supplied to AToM in connection with an Enquiry, Decision in Principal or Application will be held on computer and paper and will comprise Personal Data (as defined by the DPA / GDPR). Unless required to do so by law, we will not disclose such information to anyone else other than the lender and their third parties to assist in the provision and servicing of your application.

11.2. Please note that telephone calls may be recorded or monitored for security or training purposes.

11.3 We will only contact you for Marketing purposes as mentioned in 6.1.

12. Other Benefits

12.1 From time to time we may receive other benefits from institutions that we introduce a customer to. These other benefits can be in the form of monetary or non-monetary benefits and are intended to enhance the service we can provide to our clients. We agree to provide you with details of any monetary or non-monetary benefit received in relation to any transaction completed for you upon request

13. Disputes Resolution

13.1 If you wish to register a complaint please contact us, or alternatively you may contact:

In Writing:
The Compliance Department,
In Partnership
On-Line House, 50-56 North Stret,
West Sussex,
RH12 1ED

By Phone:
01403 241 200

By email:

Further details of how we handle complaints are available on request. (For information on our customer complaint handling process, Click here.)

13.2 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Their contact details are:

In Writing:
The Financial Obudsmen Services,
Exhange Tower,
E14 9SR

By Phone:
0800 023 4567

By email:

14. Law and Jurisdiction

14.1 You agree that our agreement shall be governed and shall be construed in accordance with English Law, and that the parties shall submit to the exclusive jurisdiction of the English Courts in the event that any dispute cannot be settled under the Disputes Resolution term.

If you have any questions or require any further information regarding these Terms and Conditions, please contact AToM:

In Writing:
AToM House,
24 Carfax,
West Sussex,
RH12 1EB

By Phone:
01403 272625

By email:

v1 01/04/2018

Head Office
AToM House, 24 Carfax
Horsham, West Sussex
RH12 1EB

Tel: 01403 272625

Fax: 01403 211200

All Types of Mortgages Ltd (AToM) are an appointed representative of The On-Line Partnership Ltd which is authorised and regulated by the Financial Conduct Authority. © AToM (All Types of Mortgages Ltd) 2016.

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