Terms & conditions

 
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Terms and Conditions

Capital Solutions is authorised and regulated by the Financial Service Authority and gives advice and recommendations concerning mortgages and building and contents insurance. This will be confirmed in writing to you within five working days of you making an application to us.

We use the services of a packager in the administration and underwriting of your mortgage application, and for dealing with existing lenders, Trustees in Bankruptcy, insolvency practitioners and their agents. It is their policy to charge a fee on completion of your mortgage or loan. This fee will be deducted from the total loan and will be include in your monthly payment. This amount will be made known to you in your completion statement. The fee is typically 3% of the total advance and will generally be no more than a maximum of 4% of the total advance.

We arrange mortgages from a preferred panel of lenders who, in the main, provide us with the range of products, which meet with our client’s requirements.

We act of YOUR behalf, NOT the lenders.

It is important that, while we are in the process of arranging any mortgage or loan that we are able to complete on your behalf, you continue to make every effort to maintain any monthly commitments you already have.

In assessing your application it will be necessary to conduct a credit search, which will include details about other people living at your address. By applying to us you give us your authority to carry such a search. This will be confirmed to you verbally before any application is taken in order for you to refuse your authority to carry out a credit search. You understand that, by refusing to give your consent, we will still act on your behalf but can only advise based on the information you supply. This advise may need to be changed should any information come to light at a later stage that would change the detail of your circumstances.

Your use of this website constitutes your agreement to all of the Terms and Conditions contained in this document and to our Data Protection Policy.

Information provided on this website is only meant as a guideline and is not legally binding in any way. Terms and Conditions may be revised at anytime. You are responsible for regularly reviewing these Terms and Conditions. Your Use of the web site indicates your agreement to these Terms and Conditions.

The information that is made available on this website is intended for general information purposes only. No warranties of any kind are offered in connection to this site. Neither we, nor any of our associated Companies, accept any liability for any loss arising as a result of relying on the information contained on this website.

You are not permitted to copy, adapt, or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.

When you leave this website, whether or not you realise that you are leaving, we are no longer in any way responsible for the material on the other websites that you enter. We exclude to the fullest extent permitted by law all liability that may arise in connection with or as a result of such external website material causing any damage, costs, injury of financial loss of any kind. You will normally be informed that if you click on any link advertised on this site that you are leaving this website.

You agree that you will not use this website to:

1. Collect or store personal data about other users;

2. Insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this website;

3. Upload, post, e-mail or otherwise transmit or post links to any content that facilitates hacking;

4. Hack into any aspect of this website;

5. Upload, post, e-mail or otherwise transmit links to any content that infringes the intellectual property rights of any third party;

6. Circumvent, or attempt to seek to circumvent, any of the security safeguards of this website;

7. Cause annoyance to other people accessing this website;

8. Send any unsolicited advertising or other promotional material, commonly referred to as 'spam', 'junk mail', 'chain letters', 'pyramid schemes' or any other form of solicitation by e-mail or by any other electronic means;

9. Send e-mail or any other type of electronic message with the intention or result of affecting the performance or functionality of any computer facilities;

10. Permit any third party to do any of the above. While we try and ensure that all information on this website is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error we will amend the website as soon as reasonably possible.

We neither warrant nor represent that your use of this website will not infringe the rights of third parties.

We are interested in protecting your personal information and we only use your personal information in accordance with our Data Protection Policy. You have sole responsibility for adequate protection and backup of data and/or equipment used by you in connection with this website and will not make a claim against Capital Solutions for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of such materials.

Capital Solutions reserves the right to refuse access to this website or any component of it. Capital Solutions may at any time, at the discretion of the site's management, refuse access to certain areas of this website to any individual it chooses - this refusal of access may take whatever form the management deem suitable.

Disclaimer of Consequential Damages. To the fullest extent permitted by applicable law, in no event shall the company, its suppliers, or any third parties mentioned on the web site be liable for any indirect, incidental, consequential, exemplary, special or punitive damages (including without limitation any damages resulting from lost profits, lost data or business interruption) arising from or relating to the use or inability to use the web site and the material, whether based on warranty, contract, tort, or any other legal theory, and whether or not the company is advised of the possibility of such damages.

These terms shall be governed by and construed in accordance with English law and subject to the exclusive jurisdiction of the English Courts.

For a copy of our Data Protection Policy or for any other query regarding this website please contact us at:

Capital Solutions
Lloyd Chambers
Reform Street
Llandudno
LL30 2TD

repossession T&C's

The overall cost for comparison is 7.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. Your home may be repossessed if you do not keep up repayments on your mortgage. Early repayment charges may apply. Terms and Conditions