Terms & Conditions

This website is provided by

Cobalt Capital LLP, 173-176 Sloane Street, London SW1X 9QG

Important Notice
From 31 October 2004 the Financial Services Authority (FSA) is responsible for regulating the activities of lenders and intermediaries who will follow new statutory rules published by the FSA in relation to selling and promoting first mortgages secured on the borrower's home.

The Mortgage Code will not apply from this date and The Mortgage Code Compliance Board (MCCB) has therefore ceased its regulatory operations.

Special note for consumers
The FSA's Rules for mortgage firms include transitional arrangements for complaints about mortgages sold under the Mortgage Code, which arise after 31 October 2004. These arrangements apply to firms which are now FSA authorised for mortgage activities. For information on the FSA requirements please refer to http://www.fsa.gov.uk/consumer/

Disclaimer
While Cobalt Capital takes all reasonable steps to ensure the accuracy and timeliness of the information contained on this website, we cannot guarantee this and accept no liability for any errors or omissions.

This website is intended for use by persons residing in, or seeking a mortgage in, the United Kingdom and provides information on products available in the UK only.

Privacy
All personal details you submit to this website will remain private except where it is necessary to provide them to a third party for the purposes of a mortgage application. Cobalt Capital complies with and is registered under the Data Protection laws in the United Kingdom. We take all reasonable care to prevent any unauthorised access to and use of your personal data.

Whilst any personal details that we use to provide or promote our products and services to you (e.g. name, address, email address, telephone number, or any details of the services you have purchased or about which you have enquired) will not be passed to any third party organisation for marketing purposes, on occasion your details may be shared with Cobalt Capital's approved contractors or agents, in order to inform you about relevant Cobalt Capital's products and services.

If you do not want to be kept informed by email, please contact us.

Protection Act to your personal records
You are entitled under the Data Protection Act to see a record of all personal information we hold on you.

As your mortgage broker, we reserve the right to discuss your personal circumstances with any lender, in order to determine the most appropriate product for your needs. Your lender may undertake credit enquiries upon receipt of your mortgage application. They may also supply information to a Credit Reference Agency regarding the way your account is managed.

Broker Fees
Broker fees may be payable. These would typically be 0.5% of the loan we arrange for you. However, we will discuss your payment options with you and confirm the actual amount payable before we begin to provide our services.