Terms and Conditions
It may be necessary to update our Terms and Conditions from time to time to meet legal, regulatory, and commercial requirements. Such changes shall become effective as soon as they are posted. Please visit this page from time to time and take note of any changes.
We may make improvements or changes to the products, services and prices detailed on this website at any time without notice.
Manuka Money Limited (“Manuka Money”) is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1001383. Our registered address is: The New Barn, Gawsworth Business Court, Shellow Lane, North Rode, CW12 2FQ. Company number: 10100954. ICO register number is ZB292288.
Manuka Money is as an Appointed Representative of TMG Direct Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 786245. Our registered address is: 27-29 Bridgegate, Rotherham, England, S60 1SN. Company number: 13856945. ICO register number is ZA178200.
As controllers of your data, Manuka Money Limited and TMG Direct Limited comply with the Data Protection Laws in the UK and the UK General Data Protection Regulation.
Our permitted business includes advising on and arranging mortgages, protection insurance and consumer credit activities. You can check this on the FCA register by visiting the website www.fca.org.uk/Firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.
Fees & Commissions
We may charge you a fee of between £495 and £2,995 dependant on the product and your circumstances. The actual fees will be explained by the adviser prior to application & submission to a lender and are detailed in our Terms of Business Letter and/or in your Mortgage Illustration. We may also receive commission paid by the Lenders. There may be additional costs relating to the product we recommend to you, and these will be detailed in the Mortgage Illustration which we will send to you.
Anti-money Laundering Checks & Disclosure
Our responsibilities under Money Laundering regulations and the Proceeds of Crime Act include, but are not limited to, verifying the identity and address of our customers and no application will be submitted until such verification has been obtained.
This process involves obtaining verification of your identity and your address using documents such as your Passport or Driving Licence, utility bill, bank statement etc. Identity verification checks may include electronic searches through the Electronic Identification Verification Service, electoral roll and use of credit reference agencies. Consent for us carrying out the appropriate verification checks will be obtained from you and stored on our system. Depending on the level of verification generated we may need to contact you for additional information or documentation. We cannot accept responsibility in instances where placing business is delayed due to these regulations.
We reserve the right to make further enquiries into the source of your funds or wealth to ensure we meet our regulatory obligations. We will require proof of your income and expenditure to satisfy these requirements.
We may check the details you supply against those held on several specific databases. Online verification credit reference agencies have access to, for example information from the Electoral Register and fraud prevention agencies. Scoring methods can be used in the verification process as this gives a more thorough check of the available data. A record of this process will be kept that may be used to help other companies to verify your identity.
It is important that the information you provide is both accurate and honest, and a true reflection of your circumstances If false or inaccurate information is provided, or if a reasonable suspicion of fraud or any other criminal offence is identified, we may make the appropriate search using a reputable online credit reference agency and will keep a record of this search in line with the anti-money laundering rules and the General Data Protection Regulation. We will pass information to organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud, such as fraud prevention agencies, law enforcement agencies and regulatory bodies who may access and use this information to prevent fraud and money laundering.
Failure to disclose relevant information, or change of circumstances, to a product provider or lender may result in your mortgage being cancelled, withdrawn, or invalidated.
Credit Reference Checks
To process your application, we may search the files of licensed credit reference agencies, who will keep a record of the search, to confirm your particulars and for the purpose of a credit assessment. A record can be kept of such searches which may be used by other lenders in assessing future applications for finance by you and for fraud prevention. These organisations may use this information in the future to help make credit decisions, prevent financial crime and to trace debtors.
Information held about applicants by credit reference agencies may already be linked to records related to one or more of your partners or members of your household. For an application, you may be treated as financially linked, and the application may be assessed with reference to any ‘associated’ records.
We may also, as part of the application request a Lender’s Decision in Principle. This would involve the Lender conducting either a soft or hard credit search on all applicants, which may leave a mark on your credit files and can have a negative impact on your overall credit scores.
Consent for us carrying out the appropriate verification checks will be obtained from you and stored on our system.
Mortgage, Loan & Protection Illustration
We take every care to ensure the accuracy of the quotes which are based on the latest information available from the product provider and lenders at that time. However, the firms on the panel reserve the right to change % APR or % APRC rates, premiums and underwriting criteria at any time and without notice. This may result in a change to the product offered to you or may result in the product being withdrawn.
The accuracy of the quotes depends upon the accuracy of the information you have provided. We and the product provider on the panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes because of these checks, the original offer may be changed or withdraw.
Any delay in the returning of your documents, proof of income or identification and/or delays with any third party we or the lender use to process your application, may result in your application taking longer to complete.
· Debt consolidation
o If you’re thinking of consolidating existing borrowing, please be aware that by consolidating unsecured debts and adding them to a mortgag or a secured loan although you may reduce your monthly outgoings you may be changing the interest rate and extending the loan terms which may result in you paying back more interest in the long term.
· Adding Fees
o If you choose to add fees to the mortgage / secured loan they will be included in your monthly payments & you will pay interest on them over the term which can increase the total cost of the borrowing and if you settle early, you may pay back more than you received.
· Interest Only / part interest & repayment
o Please be aware that by having some or all, of your mortgage / secure loan on interest only you will still have a mortgage balance at the end of the term, and you will need to have sufficient funds to be able to repay in full.
· Lending into retirement
o If you opt for a mortgage / secured loan term that takes you past your state retirement age you should be confident that you have either sufficient income to be able to continue your mortgage payments until the mortgage finishes or sufficient funds to be able to repay the mortgage balance in full.
Terms of website use
This website is owned by Manuka Money Limited and is protected by copyright and database rights. You acknowledge that all trademarks (registered or unregistered) used in providing this service shall always remain the property of manuka Money Limited.
You shall not copy, adapt, exploit, or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.
You agree that you will not use this website to:
· Commit or encourage any criminal offence, including but not limited to harming a minor in any way and stalking or harassing another;
· Insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this website; including carrying out any hacking activity;
· Circumvent, or attempt to seek to circumvent, any of the security safeguards of this website;
· Permit any third party to do any of the above.
While we try and ensure that all information on this website is accurate and up to date, errors may occur, and we accept no liability for such errors. If we discover an error, we will amend the website as soon as reasonably possible.
You have sole responsibility for adequate protection and backup of data and/or equipment used by you in connection with this website and will not make a claim against Manuka Money Limited for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of such materials.
This site is controlled and operated by Manuka Money Limited from the United Kingdom. We make no representations that materials in this website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so at their own risk and are responsible for compliance with all local laws, if and to the extent local laws are applicable. No material from this website may be downloaded, exported, or re-exported into (or to a national or resident of) any countries that are subject to UK exporting restrictions/legal or socio-economic sanctions.
Our priority is to provide customers with the highest level of service. However, in the unlikely event that you have a complaint, please contact us:
· In writing
o Manuka Mortgages Limited, The New Barn, Gawsworth Business Court, Shellow Lane, North Rode, CW12 2FQ. or email email@example.com
· By phone
o 0800 640 6240 or 01625 810 410
· By email
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).
Further information on the services provided by the FOS can be found on their website financial-ombudsman.org.uk or alternatively:
· In writing
o The Financial Ombudsman Service, Exchange Tower, London. E14 9SR.
· By phone
o 0800 023 4567 or 0300 123 9123
· By Email
If your complaint is related to how your personal data has been processed and you are not satisfied with the response from us, you have the right to complain to the Information Commissioners Office (ICO) who is the regulator for data protection in the United Kingdom.
Accessing Our Site
Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below). We will not be liable if for any reason our Site is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.
Additionally, by using our Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding the Company’s efforts to protect such transmissions.
Law and Jurisdiction
Your use of our Site and these Terms and Conditions are governed by the Laws of England and Wales whose courts have exclusive jurisdiction of any disputes that may arise under or in connection with.
How To Contact Us
If you have any questions relating to our Terms & Conditions please contact Manuka Money Limited, The New Barn, Gawsworth Business Court, Shellow Lane, North Rode, CW12 2FQ. or email firstname.lastname@example.org