Kent Financial Consultants Ltd is an Appointed Representative of Quilter Financial Services Ltd, authorised and regulated by the Financial Conduct Authority (FCA).
This document sets out the terms between our firm (as an Appointed Representative) and its clients. These terms apply until further notice and are to be read alongside our “Guide To Our Mortgage and Protection Services.” In case of conflict, these Terms of Business take precedence.
Either party can terminate these terms at any time without penalty. This will not affect any ongoing transactions.
Contents
- Confirmation of My Advice Areas
- Confirmation of Whose Products I Offer
- What You Will Pay For My Services
- Ongoing Services & Fees
- Other Important Information You Should Know
1. Confirmation of My Advice Areas
Insurance
We offer advice and recommendations on:
- Life Assurance
- Critical Illness
- Income Protection
- Accident, Sickness & Unemployment
- Home Insurance
- Private Medical Insurance
Mortgages
We provide tailored advice based on your specific needs.
Lifetime Mortgages & Home Reversion Schemes
Advised services are available for these products following a thorough assessment of your needs.
2. Confirmation of Whose Products I Offer
- Private Medical Insurance – Whole market
- Life, Critical Illness, Income Protection – Range of insurers
- General Insurance – Primarily via Paymentshield
- Mortgages (Residential & Buy-to-Let) – Whole of market review, excluding direct-only deals
- Lifetime Mortgages – Whole of market
3. What You Will Pay For My Services
Insurance
- No fees charged. We receive a commission from the provider.
Mortgages
- £595 for residential, buy-to-let or consumer buy-to-let
- £295 for existing clients remortgaging
- £1295 for lifetime mortgages, payable on offer
You’ll receive a quote and illustration outlining any fees.
2nd Charge Lending Referrals
- We may receive a referral fee (e.g. £280 for an £800 fee).
No refund applies if your mortgage does not go ahead.
4. Ongoing Services & Fees
Ongoing service is included (funded by initial commissions) and covers:
- Regular contact for updates or reviews
- Mortgage reviews before fixed terms end
- Protection plan reviews
You can enhance these services for a separate agreed fee.
5. Other Important Information
Complaints
Handled by Quilter Financial Planning Complaints Department.
Contact: QFPcomplaints@quilter.com | 0191 241 0700
Unresolved complaints can be referred to the Financial Ombudsman Service.
Your FCA Rights
You are categorised as a ‘retail’ client, ensuring access to FOS and FSCS protections. Re-categorisation is possible upon request.
Client Money
We do not handle client money. Payments should be made by bank transfer.
Your Duty of Disclosure
You must provide accurate and full financial information to avoid affecting your products’ validity.
Cancellation of Terms
You may cancel these terms at any time without penalty.
Regulatory Information
- Kent Financial Consultants Ltd: FCA Ref No. 1018359
- Quilter Financial Services Ltd: FCA Ref No. 440718
- Website for checking FCA status: https://register.fca.org.uk
Data Protection
Personal data is used in accordance with the Data Protection Act 2018 and UK GDPR. Contact: QFPdataguardian@quilter.com
Accessibility
Documents can be provided in alternative formats (e.g. Braille, large print, audio). Please contact us to request.
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