Legal Information

Company Information

Regents Estates and Mortgages Limited 
Registered Address : 6 Moray Way North, Dalgety Bay, Fife, KY11 9NH 
Registered in Scotland No. : SC252333
Registration Number: Z8312647
Please see our Privacy and Cookie Policy page GDPR 2018

E Commerce (EC Directive) Regulations 2002 
The following information is required by the Electronic Commerce (EC Directive) Regulations 2002. 
Web Service Provided by Regents Estates & Mortgages Limited 
Trading Address: 6 Moray Way North, Dalgety Bay, Fife. KY11 9NH.

Email: [email protected] 

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. Loans subject to status and lenders terms & conditions. Deposit and insurance may be required.

Client Agreement
Re terms of business

Our Services 
We will act on your behalf for the purposes of arranging and advising on pure protection, mortgages and general insurance. 
We may also advise on products and services which are not regulated by the Financial Conduct Authority. We will tell you where this is the case. 

We offer a comprehensive range of mortgages from across the market but not deals that you can only obtain by going direct to a lender In every case we will complete a client questionnaire (fact find) this will normally require your income and outgoing verification, so that we can give appropriate advice 

We are authorised and regulated by the Financial Conduct Authority under ref no 304237 How we charge you for our services

We make no charges for advice and recommendation. – You have the option to pay for our services by way of a fee, in which case the method of calculation will be agreed with you before we carry out any chargeable work. Alternatively we may be paid commission on a product we arrange. We will tell you how much commission we receive. 

Alternatively we may be paid commission on a product we arrange. We will tell you how much commission we receive. 

We will provide you with further details about the cost of our services separately. 

We will tell you if you have to pay VAT. It is possible that other costs, including taxes (e.g. stamp duty) related to the business we arrange, may arise. These costs will not be paid by our firm but borne by you. 

If we arrange for you a contract from which we receive initial commission and subsequently you cease to pay premiums which results in us refunding the commission which has been paid to us, we reserve the right to recover from you an amount equal to the amount we have had to refund without the need for a separate fee agreement. 

The amount recoverable and the timeframe over which it is recoverable are dependent on the product chosen. Further details of the amount and timeframe will be notified to you prior to the conclusion of the contract in the Suitability Report or Statement of Demands and Needs Letter we will send you. 

This will not apply where you exercise your statutory right to cancel the contract. If we receive any other form of benefit in connection with our services to you we will disclose this to you

Your Protection
We prefer instructions to be in writing. If instructions are given orally they should also be confirmed in writing. 
We may refuse at our discretion to accept certain instructions, although such discretion will not be exercised unreasonably. We will normally register all products in your name unless otherwise instructed in writing. If we become aware that our interests, or those of another client, conflicts with your interests, we will inform you in writing and obtain your consent prior to proceeding with your instructions.

In accordance with GDPR requirements we would like to make you aware that some calls may be recorded for training and compliance purposes. 

Risk Warnings 
We will communicate appropriate risk warnings prior to providing products or services. These are for your benefit as you should understand any risks before making an investment.

Complaints and Compensation
If you wish to make a complaint, please contact Gary Scott, Regents Estates & Mortgages Ltd, 6 Moray Way North, Dalgety Bay, KY11 9NH Tel 01383.822555

Our written complaints procedure is available upon request. If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Further information about the FOS is available from their website If we cannot meet our obligations you may be entitled to compensation from the Financial Services Compensation Scheme. This depends on the type of business and the circumstances of the claim.

Advising and arranging on investments is covered up to a maximum limit of £50,000. 

Advising and arranging on non-compulsory classes of insurance is covered for 90% of the claim, without any upper limit.

Advising and arranging on compulsory classes of insurance (e.g. motor or employers liability insurance) is covered for 100% of the claim, without any upper limit.

Advising and arranging on mortgages, home purchase and equity release is covered up to a maximum limit of £50,000. 

Further information about the FSCS is available from their website 

This client agreement may be terminated at any time, by either party. Notice of termination must be given in writing and will take effect immediately upon receipt. Termination will be without prejudice to the completion of transactions already commenced on your behalf or any rights or obligations already arising. You would be expected to pay for any costs incurred up to the date of termination or a due proportion of any fees previously agreed.

Data Protection Act 1998 
The personal information you have supplied via this site, may be held on a database of Regents Estates & Mortgages Limited in accordance with the Data Protection Act . It will be used only for the purposes authorised and will not be passed to any third parties. 

You have the right to access information we hold about you. If any of the information we hold is incomplete or inaccurate please tell us and we will correct it.

Use of data:
Please see our Privacy and Cookie Policy page GDPR 2018.

Privacy and Cookies:
Please see our Privacy and Cookie Policy page.