Regulatory Information
All the information you need for your complete peace of mind
Our strict compliance measures ensure we comply with all of the required regulatory industry guidelines – for your complete peace of mind. You can find out more information about each of these below. If you have any further questions – please don't hesitate to contact us.
Regulatory Documents
Privacy Policy
How we collect, use, and protect your personal data.
ViewComplaints Procedure
Our process for handling and resolving complaints.
ViewTerms of Business
The terms governing our services and your relationship with us.
ViewInformation about our Mortgage Services
Information about our mortgage and protection services.
ViewSupporting Vulnerable Customers
How we support customers in vulnerable circumstances.
ViewDebt Consolidation Information & Support
Guidance and support for debt consolidation.
ViewLenders we work with
The panel of lenders available through our services.
ViewLenders not featured on our online product search
Lenders not featured on our online product search.
ViewRepresentative Examples
Mortgages
- Overall cost for comparison: Estimated to be 6.70% APRC
- Completion fees: Subject to circumstances, typically £198 upfront and £799 on completion
- Complex cases: If your circumstances involve adverse credit, complex situations, debt consolidation, or commercial elements, fees may increase to a maximum of £2,693 with £198 payable upfront upon application
- Fee structure: Fees are per application basis. Subsequent applications or amendments incur a separate £99 application fee
- We do not charge a broker fee for Product Transfers. A product fee may be payable to your lender, subject to the terms of your new mortgage arrangement. Deal Direct Financial receives commission for this service, which is paid directly by the lender.
- A product transfer only provides mortgage options from your current lender. Please note, re-mortgaging to another lender could potentially enable you to get a lower rate so please consider obtaining whole of market advice when reviewing your options.
Secured Loans
- Representative example: Based on borrowing £20,000 over 60 months:
- Interest Rate: 7.55% fixed for 60 months
- Monthly instalments: £448.16
- Fees: Broker fee (£2,000); Lender fee (£395)
- Total amount payable: £27,014.60, comprised of loan amount (£22,395) and interest (£4,618.60), including broker and lender fees
- Overall cost of comparison: 9.50% APRC
- Loan terms: Minimum 36 months, maximum 360 months
- Maximum APRC: 29%
- Broker fee: Maximum 10% of net loan amount (maximum £4,995), payable upon completion and can be added to your loan
- Homeowner loans are secured against your property. We are a broker and arrange secured loans from a panel of lenders of which we receive commission upon completion.
- Your adviser will confirm all costs in writing prior to any application being made.
Insurance
- £200,000 life cover at £9.67 per month
- Example based on a 37-year-old non-smoker taking a 25-year Level Term Life Insurance policy with fixed monthly premiums.
- Important Assumptions: This quote is for illustrative purposes and assumes you are in good health with no adverse family medical history, you don't regularly participate in hazardous sports or activities, your occupation is not classified as high risk, and premiums are paid monthly by direct debit.
- What's Included: £200,000 lump sum payment on death during the policy term, terminal illness cover (12-month prognosis), fixed premiums for the full 25-year term, no medical exam required for this coverage level (subject to health questions).
- Key Exclusions: Death resulting from excluded pre-existing conditions.
- Please note: While we work with a comprehensive panel of insurers, not all insurers are displayed. Contact us for our complete panel list.
Commission Disclosure
The exact amount of commission we will receive is not known at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.
Our Services
- We are not limited in the range of mortgages we will consider for you
- We can offer advice on both first and second charge loans
- We offer a comprehensive range of mortgages from across the market
- Note: We do not offer deals that you can only obtain by going direct to a lender
- While our lender panel is comprehensive, some lenders are not displayed – you can view a list of these on our website
Our Regulatory Status
Deal Direct Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 478726.
You can verify our regulatory status by visiting the FCA Register.
Registered office: Suite B, 2nd Floor, 3500 Parkway, Solent Business Park, Whiteley, Hampshire, PO15 7AL. Company registration number: 05446793.
As seen in