www. emortgagebroker.co.uk is one of the trading styles of Independent Financial Services (GB), established in 2004, which is regulated and authorised by the Financial Services Authority (FSA). FSA No. 300740. Consumer Credit License No. 621352. Data Protection no. Z8277628. A specialist insurance & mortgage services company, serving customers UK wide, and internationally. In recent years the company has diversified into a range of specialist financial services products, Electronic Insurance Products (i.e. Mobile Phones, PDAs, Computers, Electronic Gadgets) and protection-based products including, Accident Sickness & Redundancy insurance, MPPI, Medical Cash Plans, Personal Accident and Income Replacement cover, Term Life Insurance, Critical Illness, Death in service, Private Medical Insurance, Mortgage Payment Protection, buildings and contents Insurance, mortgages commercial and residential, specialising in property development funding and structured corporate loans.
We deal with clients on a nation-wide basis, and seek to provide a quality and focused service.
We ensure that business growth is generated in the main from satisfied clients recommending our services to friends and relatives, mainly due to our straight forward, ethical and professional services as specialist insurance and mortgage brokers.
We provide speedy and efficient solutions to client needs, at highly competitive prices, adding value to you where we can, saving you money, and making your money work harder. Through our buying & negotiating power we seek to provide keenly priced insurance products, often reducing our own profit margins to satisfy and win your business by reducing premiums.
It may be old fashioned, but we do care, we want to empower you to make an informed decision both for finance and insurance serivces.
We seek to be creative and innovators, where we seek to exceed your expectations, in a challenging and ever evolving global village, and seek to improve systems and procedures, to make your purchase is convenient as possible, with quality financial services products
TCF Objectives Statement :
The Directors and Senior Management of Independent Financial Services (GB) are committed to ensuring that the FSA principle of treating customers fairly (TCF) is applied in all areas of our day to day business activities. For online transactions efficencies are built into our processing and handling of application and enquiries so we can pass any savings to our clients and offer discounted insurance products for value for money financial products.
In adopting the TCF principle we recognise that fair treatment of our customers is about adding value to the service we offer by aiming to:protect the interests of our customers at each stage of the product life cycle, from promotion right through to after sales service
Meet as best we can the unique needs of each customer by offering a transparent, efficient and professional service, and constantly reviewing our service to identify areas for improvement
In practical terms for the different areas of our business this means:
ensuring that promotional material is clear, compliant, jargon free and appropriately targeted
ensuring that sales staff (both on and off-site) have thorough training on all products they advise on or sell, understand who they are and aren’t suitable for, and are encouraged to challenge product providers where they spot inconsistencies, ambiguities or potential unfairness in the product literature or product features
operating sales remuneration systems which assure fairness to the customer as well as customer satisfaction, rather than only rewarding sales volumes
finding ways to encourage non sales staff to implement TCF in their day to day business activities
keeping detailed records of customer instructions and profile/attitude to risk, and of the advice and options given before, during and after a sale – to help ensure we treat customers fairly and can deal with any complaints that may arise swiftly and fairly
encouraging after sales contact with clients where appropriate to correct or improve on the service already offered
ensuring that customer complaints are assessed fairly, promptly and impartially, and in line with FSA deadlines and rules
encouraging staff to recommend improvements to service following customer complaints – and monitoring the outcome
ensuring that staff are kept up to date with relevant training in relation to competence, data protection and other matters directly affecting the quality of service offered to customers
offering regular training in the principle of TCF at all levels of the business
regularly monitoring and reporting on all of the above TCF activities as part of the company’s monthly statistics/MI, in order to assess TCF performance across the business and recommend changes where appropriate
ensuring that TCF values, which are set and communicated by Senior Management, are supported by all staff and understood in the same way
