Our advisors have over 13 yrs experience in providing bespoke mortgage advice to assist clients achieve their ambitions. We work with a large panel of lenders to ensure we can offer our clients the best advice with flexible underwriting criteria. We pride ourselves in carefully considering our clients’ circumstances and recommending the right mortgage before managing the process with respective mortgage companies, estate agents, solicitors etc. from application through to approval and completion.
Think carefully before securing other debts against your home. Your home may be re-possessed if you do not keep up re-payments on a mortgage or any other debt secured on it.
Our advisors have the knowledge and experience to assist investors in building and managing new and existing Buy To Let portfolios. In addition to experienced portfolio investors, we cater to first time land lords to advise on re balancing and rebroking portfolios while ensuring their tax efficiency. We provide advice on all lending products supporting low rental coverage mortgages, high advances and portfolio mortgages among other, bespoke needs.
Tax planning and some buy to let mortgages are not regulated by the FCA.
As member of the Intrinsic network, we also have the following free benefits for our customers. Heath Line Services, a company which provide free support in the event of a claim on Critical illness or Income Protection. This company will assist you with your treatment options, counselling and emotional support, resources and management of your claim.
We also offer an Accidental Death benefit for all critical illness and income protection sales of £25k free cover for the first 12 months of any current valid plan.
We work with a panel of insurance providers to offer our clients competitive and comprehensive cover for life, critical illness, income protection, family benefit, key worker cover and shareholder assurance. Our panel ensure we can offer our clients the full package and assist them with insurance to support their families, homes and businesses. We constantly review the insurance marketplace to ensure we offer competitive pricing and the ability to source insurance for more complicated cases for clients with certain pre-existing conditions.
Download Buy to let guide
This guide will help to clarify the terminology, benefits, risks and associated costs of borrowing to invest in rental property.
Download Home Mover Guide
This guide will help to clarify the terminology, benefits, risks and associated costs of borrowing to buy your new home.
Download Mortgage Process Guide
Provide information about our mortgage and protection services so that you know what to expect when working with us.
Download Remortgage Guide
This guide will help to clarify the terminology, benefits, risks and associated costs of remortgaging your property.
Download Accidental Death Benefit
This document explains what Accidental Death Benefit is and how it benefits you and any other members covered.
Download Health Support Line
This document explains what the Health Support Line is and how it might help you and any other members covered.
Download Terms of Business
This document sets out the terms of business between our firm (as an Appointed Representative) and its clients.
Brighthelm Financial is an appointed representative of Intrinsic Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Intrinsic Mortgage Planning Limited is entered on the FCA Register ( fca.org.uk/register ) under reference 440718.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Before Brighthelm Financial acts on your behalf, you will be asked to read and consent to the following terms. Terms of Business and Mortgage Process Document1. Services
1.1 Brighthelm Financial (henceforth BF) is a whole of market mortgage adviser, who advises on and arranges regulated mortgage contracts and non-investment (pure protection) contracts. For protection we have access to a panel of providers.
1.2 We can also advise on and arrange buy to let and commercial mortgages which are not regulated by the FCA.
2. Payment for our services
2.1 Our maximum fee is 1% however typically our average fee is £345. Payment for our services is contained within our Terms of Business. We will agree this with you before carrying out any work and supply you with a record of the particular fee charging arrangement.
3. Authority to act
3.1 You will be asked to authorise BF to make enquires and request any references as BF considers necessary in
connection with making a mortgage application, whether of your employer(s) or otherwise and you will be asked to authorise such persons to give this information to BF.
3.2 You will be asked to authorise any institution with whom you have existing accounts, policies or arrangements of any sort to provide BF with any information it might request.
3.3 You will be asked to authorise BF to pass, at its discretion, any such information obtained to mortgage lenders (lenders). You will be asked to give permission to lenders to conduct credit searches about you on the understanding that:
You will also be asked to authorise BF to access information held by a lender related to a mortgage application made by you as a result of a service provided by BF to the extent permitted by applicable law or regulation.
3.4 You will be asked to authorise BF to access information held by your solicitor, in relation to the conveyancing work they are conducting for you.
3.5 You will be asked to confirm that the personal and confidential information provided by you can be disclosed by BF to third parties for the purpose of making mortgage and other arrangements on your behalf.
4. Conflicts of Interest
4.1 We offer pure protection and independent mortgage advice, but occasions can arise where we or oneof our other clients will have some form of interest in business which we are transacting for you. If this happens, or we become aware that our interests or those of one of our other clients conflict with your interests, we will inform you in writing and ask for your consent before we carry out your instructions.
5. Client Money
5.1 FOR YOUR ADDITIONAL SECURITY WE DO NOT HANDLE CLIENTS' MONEY. We never handle cash or accept a cheque payable to Brighthelm Financial (unless in settlement of fees which we have invoiced to you).
6. Client Verification
6.1 Where we are required to verify your identity in accordance with the Money Laundering Regulations, mortgage applications will not be progressed until such verification has been obtained.
7. Termination of the Terms of Business
7.1 Our authority to act on your behalf may only be terminated in writing, at any time, without penalty, by either party without prejudice to the completion of any transactions initiated prior to receipt of such notice. Such notices will take effect from the date of the notice.
8. Complaints and the Financial Ombudsman Service (FOS)
8.1 Please refer to our Terms of Business
9. Financial Services Compensation Scheme (FSCS)
9.1 Please refer to our Terms of Business
The information you will be asked to provide is subject to the Data Protection Act 1998 (the “Act”). By signing the Terms of Business letter, you will be consenting to us or any company associated with us for processing, both manually and by electronic means, using your personal data for purposes of providing advice, administration and management. Personal Information provided may be maintained on computer records and will not be disclosed to other parties, except representatives of our compliance advisers, our auditors and any organisation requiring access to such information for regulatory purposes only, or any person having a legal entitlement to access. You or your appointed agent may inspect your file or computerised records which relate solely to your mortgage and / or pure protection contract(s). We reserve the right to provide copies only if to do otherwise would allow you access to information relating to other clients. All our transaction records will be retained for at least six years.
You will also be asked, as part of the Terms of Business letter, whether you give your consent to the following uses of your data:
(i) We may pass information about you which you have provided to us to external companies to help us to process and/or analyse it as part of the provision of a service to you. These may contact you by telephone, email or write to you with information about special services or products which may be of interest to you.
(ii) From time to time, where we believe it may be in your best interest, we may pass your details to third parties who we think may be of interest to you.
(iii) Such personal data may also be used for marketing purposes, or to conduct market research for us that may use the personal data to bring to your attention products and services that may be of interest to you and also to assist in the efficient management of the services offered to you.
(iv) From time to time, where we believe it may be in your best interests, we may telephone, email or write to you without express invitation to discuss your investments or potential investments. Which relate to a packaged product or other products which may be specified by the Financial Conduct Authority for this purpose or other “unsolicited real – time financial promotions”.
(v) We may contact you in the future with regards to information and / or advice on reviewing your mortgage arrangements.
Thank you for taking the time to visit our website. Brighthelm Financial respects each person’s privacy. This policy will advise you how we collect and use the personal information you supply us with. By submitting your data to us, it is implied that you have given us your permission to use your data under the terms of this policy.
Why we need your details: Brighthelm Financial collects and uses your personal details, which can include telephone numbers, address and e-mail, so that we can process any of the following:
How we receive the information: The information that we hold may be supplied by you directly to us by telephone, office visit or e-mail. We may also have information that has been supplied to us by one of our business partners for marketing purposes.
Who has access to this information? Your details will be kept by Brighthelm Financial and its Appointed Representatives until such time as you ask for them to be removed or we decide that, in the absence of any response, they should be removed. Your details will not be sold or otherwise disposed of to any third party except where we are legally obliged to do so or where we believe that such action will protect the interests of Brighthelm Financial, its Appointed Representative and/or the security of its staff.
If you do not wish to have a cookie created on your computer, most web browsers provide the option to disable them. Please note that some personalised services may not then be available to you.
How secure are your details? When you register your details, we will take all reasonable steps to keep these details secure and free from unauthorised access by use of technology and internal systems which will be updated as new technology becomes available and is appropriate to our systems.
If you wish to have your information removed from our database either permanently or temporarily, please advise us immediately. Your information will be removed as soon as is practically possible.
Making a complaint about the way in which your data is stored or used: In the unlikely event that you have a complaint about the way in which your details are used or stored by this company, please contact firstname.lastname@example.org or write to: The Chief Operations Officer, Brighthelm Financial, 9 Shirley Drive, Hove, West Sussex, BN3 6NQ.
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