Our Key Facts 

1. About this document

This document has been designed to ensure consumers have all the necessary information
about the services being offered and how those services will be paid for. It is an important
document so please ensure you read this carefully.

2. What services do we offer?

First Charge Mortgages
We are not limited in the range of first charge mortgages we will consider for you.
> We offer first charge mortgages from the whole of market, but not deals that you can
only obtain by going direct to a lender. We offer products for personal & business
purposes.
We only offer first charge mortgages from a limited number of lenders. We will provide
you with a list of the lenders we use.
We only offer first charge mortgages from a single lender.
Second Charge Mortgages
We are not limited in the range of second charge mortgages we will consider for you.
>We offer a comprehensive range of second charge mortgages from across the market,
but not deals that you can only obtain by going direct to a lender. We offer products for
personal & business purposes.
We only offer second charge mortgages from a limited number of lenders. We will
provide you with a list of the lenders we use.
We only offer second charge mortgages from a single lender.

3. Which service will we provide you with?

First Charge Mortgages
> We will advise and make a recommendation for you after we have assessed your
needs.
You will not receive a recommendation from us. You have decided to select your own
product and we have explained the implications of this. You will receive an illustration
which will tell you about any fees relating to a particular product.
Second Charge Mortgages
> We will advise and make a recommendation for you after we have assessed your
needs.
You will not receive a recommendation from us. You have decided to select your own
product and we have explained the implications of this. You will receive an illustration
which will tell you about any fees relating to a particular product.

4. What will you have to pay us for our services?

> We will retain commission from the Lender.
> A fixed fee of £500.00 payable on receipt of offer.
For example on a loan of £150,000 you would be charged a fee of £500.00

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

Refund of fees.
If we charge you a fee, and your mortgage does not go ahead, you will receive:

> A full refund
Refund Conditions:
If Cortex are deemed to be responsible for your mortgage failing to complete after
OFFER stage then we will refund the amount charged in FULL.
A partial refund.
No refund

5. Who regulates us?

Cortex Intelligent Finance in the trading style of Cortex Finance Limited, Company Number 11716441.
We are authorised and regulated by the Financial Conduct Authority. Our FCA number is
831516. The FCA does not regulate most Buy to Let mortgages.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
In writing: Write to info@cortexif.co.uk
By phone: Telephone 0333 339 0003. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.

7. 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 depends on the type of business and the circumstances of the
claim.
Mortgage advising and arranging is covered up to a maximum limit of £85,000
Further information about the compensation scheme arrangements is available from the FSCS.