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Our terms and conditions: the essential small print

Ocean financial services

Below, you'll find all the detailed information about how Ocean financial services conforms to the rules and regulations that govern the financial services marketplace. If you have any queries, or need any further information to decide if our services are right for you, please do contact us. Ocean Financial Services Ltd.

You should use this information to decide if our services are right for you.

Whose mortgage products do we offer?

We offer products in the following ‘relevant market(s)’:

Regulated mortgage contracts that are used for a non-business purpose; and 

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  

Which service(s) do we offer?

We offer an ‘advised’ sales service

This means we will provide advice and make a recommendation for you after we have assessed your specific needs and circumstances.

What you will have to pay us for this service?

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

We will tell you how much the total fee will be before you apply for a mortgage, but you may ask for this information earlier.  

You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to that mortgage.

You also have the right to request an illustration for any mortgage we offer.    

Who regulates us?

Ocean Mortgages is a trading style of Ocean Financial Services Ltd. Ocean Financial Services Ltd is an Appointed Representative of Owen & Associates which is Authorised and Regulated by the Financial Conduct Authority. Ocean Financial Services Limited

Registered in England number 3084531. Registered office: 187 Whiteladies Road, Clifton, Bristol, BS8 2RY

You can check this on the Financial Services Register by visiting the FCA’s website http://www.fsa.gov.uk/register/home.do or by contacting the FCA on 0800 111 6768 (freephone) from 8am and 6pm, Monday to Friday (except public holidays) and 9am to 1pm, Saturdays. 

What to do if you have a complaint

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

  • in writing to Geoff Owen at Owen & Associates, 33 Gay Street Bath BA1 2NT or
  • by phone on (01225) 429479

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

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 will depend on the type of business and the circumstances of the claim.

Mortgage advising and arranging is covered up to a maximum limit of £50,000.

Further information about compensation scheme arrangements is available from the FSCS

Our registered address

187-189 Whiteladies Road, Clifton, Bristol, BS8 2RY

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