Terms of Business

About Us

Lawes Financial Limited is an independent property finance brokerage. Lawes Financial Limited (FRN 1046161) is an appointed representative of Andrew Charles Consulting Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 304904).

The FCA has authorised us for advising on and arranging regulated mortgage contracts and regulated insurance contracts.

Mortgages

We offer independent advice on mortgages. We conduct an initial consultation with you to fully understand your needs. This is followed by a review and research of the mortgage market to find the best solution to meet those needs. With your agreement to proceed, we will approach the chosen lender and submit a mortgage application.

We will provide ongoing support and communication until your mortgage has completed.

Our Fees

For the service that we offer, Lawes Financial Limited charges the following fees:

The exact amount of each fee will depend upon your circumstances and the complexity of your case. We will confirm the precise figures in writing before we begin any application. Once a fee becomes due, it is not refundable except in exceptional circumstances at our sole discretion.

We are also normally paid a procuration fee from the lender with whom we place your mortgage. Commission rates vary between lenders. The amount will be detailed in the Mortgage Product Illustration we provide when making our recommendation.

Insurances

Lawes Financial Limited offers insurance products from a selected panel of insurers. Products include Life and Critical Illness Cover, Income Protection, Buildings and Contents, and Private Medical Insurance.

We do not charge a fee for our insurance advice. We are paid a commission from the insurance provider with whom we place your insurance. Commission rates vary amongst providers, and the amount will be detailed in the product illustration we provide when making our recommendation.

Complaints Procedure

We would expect our dealings with you to pass without issue. In the unlikely event that you wish to register a complaint, please contact us in the first instance:

If you cannot settle your complaint with us, you may be entitled to refer to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by telephone on 0800 023 4567.

Financial Services
Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends upon the type of business and the circumstances of the claim.

Further information is available from the FSCS at www.fscs.org.uk or by telephone on 0800 678 1100.

Data Protection

We will treat your personal information confidentially in accordance with data protection legislation, even if you are no longer a client of ours. A copy of our Privacy Notice, which explains in detail how we handle your personal information and your rights under data protection law, is provided separately and is available on request.

If you require details of the information we hold about you, please contact us at our registered office address.

Fee Agreement

By engaging Lawes Financial Limited, you confirm that you have received and read these Terms of Business together with a copy of our Privacy Notice. You agree to the fees set out below and understand the circumstances under which fees are non-refundable.

For the service that we offer, Lawes Financial Limited charges an Initial Fee of £495.00, payable on application, and a Broker Fee of up to 1% of the loan amount, payable upon issue of the lender's mortgage offer or facility letter.

Both fees are in addition to any commission received from a lender. When we recommend a mortgage product to you, we will send you a Mortgage Product Illustration detailing all fees relating to the transaction.

If your mortgage does not proceed after the application to the lender has been submitted — or if it cannot proceed because you have withheld material information from us — the Initial Fee is non-refundable.

Should either fee remain outstanding after the due date, interest will be charged at 4% per annum above the HSBC Bank plc base rate. Interest will continue to accrue on all outstanding amounts until fees have been settled in full.

If you fail to pay fees when due, we reserve the right to take legal action to recover the amounts owed, including any accrued interest and reasonable legal costs. Such action could adversely affect your credit rating.

Data Sources

The market figures on our homepage come from public sources, each named beside its figure with the date it applies to: the Bank of England, the Office for National Statistics and HM Land Registry.

Contains public sector information licensed under the Open Government Licence v3.0.

Contains HM Land Registry data © Crown copyright and database right 2026. This data is licensed under the Open Government Licence v3.0.