Terms & Conditions

Introduction

These terms and conditions govern your use of the CGR Financial website and our services. By using our website or engaging our services, you agree to these terms.

CGR Financial Ltd is registered in Northern Ireland (Company Number: NI712176) with registered office at 319a Antrim Road, Newtownabbey, BT36 5DY.

Our Services

We provide mortgage and insurance advice and arrangement services. CGR Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority (FCA).

Scope of Service

When providing mortgage advice, we:

• Search a wide range of products from across the market to find suitable options
• Assess your needs and circumstances
• Recommend products that meet your requirements
• Submit applications on your behalf
• Liaise with lenders, solicitors, and other parties

What We Don't Do

• Provide legal, tax, or accounting advice
• Guarantee mortgage approval
• Provide valuations or surveys
• Act as solicitors or conveyancers

Your Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Inform us of any changes to your circumstances
• Review documents carefully before signing
• Make mortgage payments on time once arranged
• Maintain appropriate insurance cover

Providing false or misleading information may constitute fraud and could result in mortgage applications being declined or policies being voided.

Fees and Charges

Our Fees

We will explain our fees clearly before you commit to using our services. Fees may be charged as:

• A fixed fee payable on completion
• Commission paid by the lender
• A combination of fee and commission

Full details of our fees will be provided in our initial disclosure document and confirmed in writing before you proceed.

Third-Party Costs

You may incur additional costs from third parties including:

• Lender arrangement fees
• Valuation and survey fees
• Legal/conveyancing fees
• Stamp duty

We will help you understand these costs but they are not charged by us.

Website Use

Intellectual Property

All content on this website, including text, images, and design, is owned by CGR Financial Ltd or our licensors and is protected by copyright. You may not reproduce, distribute, or use our content without permission.

Accuracy of Information

We make reasonable efforts to ensure information on our website is accurate and up to date. However, information is provided for general guidance only and may change without notice. Mortgage rates, in particular, change frequently and any rates shown are indicative only.

You should not rely solely on website information when making financial decisions. Always seek personalised advice.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these sites. Links are provided for convenience only and do not imply endorsement.

Limitation of Liability

We provide our services with reasonable skill and care. However, to the extent permitted by law:

• We do not guarantee mortgage approval or specific outcomes
• We are not liable for lender decisions or delays
• We are not liable for losses arising from information you provide
• Our liability is limited to direct losses arising from our negligence

Nothing in these terms excludes our liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded by law.

Cancellation

You have the right to cancel our services at any time. If you cancel after we have submitted a mortgage application, you may still be liable for any fees that have become due.

For mortgage contracts, you may have a 14-day reflection period after the mortgage offer is issued. This does not apply to all mortgage types. We will advise you of your cancellation rights for your specific mortgage.

Data Protection

We process your personal information in accordance with our Privacy Policy and applicable data protection law. By using our services, you consent to such processing.

Complaints

If you're unhappy with our services, please see our Complaints Procedure. You may also be able to refer complaints to the Financial Ombudsman Service.

Governing Law

These terms are governed by the laws of Northern Ireland. Any disputes will be subject to the exclusive jurisdiction of the courts of Northern Ireland.

Changes to Terms

We may update these terms from time to time. Changes will be posted on this page with an updated revision date. Continued use of our website or services after changes constitutes acceptance of the new terms.

Important Warnings

Contact Us

If you have questions about these terms, please contact us:

• Address: 319a Antrim Road, Newtownabbey, BT36 5DY
• Phone: 028 90 029 029
• Email: enquiries@cgr-financial.com