R.J. Nash Consultancy Ltd
Independent Financial Solutions

Call us now on 01296 399 622

Text Box: About our lifetime mortgage and home reversion scheme services

R.J. Nash Consultancy Ltd
8 Eyre Close
Aylesbury
Buckinghamshire
HP19 7GQ

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?

X	We offer products from the whole market.

We can only offer products from a limited number of companies. Ask us for a list of the companies and products we offer.

We can only offer a limited range of the products from a single company.

3. Which service will we provide you with?

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

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed

4. What will you have to pay us for our services?

No fee, we will be paid by commission from the lender.

X	A combination of fee and commission - A standard £300.00 Fee payable on application to R.J. Nash Consultancy Ltd in addition to the commission payable by the lender.

You will receive a key facts illustration when considering a particular lifetime

mortgage, or further information about a particular home reversion scheme which will tell you about any fees relating to it.

5. Refund of fees

If we charge you a fee, and your lifetime mortgage or home reversion scheme does not go ahead, you will receive:

A full refund ___.

A refund of £___ ___.

X	No refund .

6. Who regulates us?

R.J. Nash Consultancy Ltd is an appointed representative of Sesame Limited, Oasis Park, Stanton Harcourt Road, Eynsham, Witney, Oxon OX29 4AE which is authorised and regulated by the Financial Services Authority. Sesame Limited’s FSA Register number is 150427.

Sesame Limited’s permitted business is advising on and arranging mortgages.

Home reversion schemes are not regulated by the FSA.

You can check this on the FSA’s Register by visiting the FSA’s website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

7. What to do if you have a complaint

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

…in writing Write to The Disputes Team, Sesame Limited, Oasis Park, Stanton Harcourt Road, Eynsham, Witney Oxon OX29 4AE.

…by phone 0870 0401983.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

The Financial Ombudsman Service does not consider complaints about home reversion schemes.

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

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.

Home reversion schemes are not covered by the Financial Services Compensation Scheme

Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme.

Message from the Financial Services Authority

Think carefully about this information before deciding whether you want to go ahead. If you are at all unsure about which lifetime mortgage or home reversion scheme is right for you, you should ask your adviser to make a recommendation.

Please remember the home reversion schemes are not regulated by the FSA.