about our mortgage services
1. The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
2. Whose mortgages do we offer?
	We offer mortgages from the whole market.
ü	We only offer mortgages from a limited number of lenders. Ask us for a list of the lenders we offer mortgages from.
	We only offer mortgages from a single lender.
3. Which service will we provide you with?
	We will advise and make a recommendation for you after we have assessed your needs.
ü	You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
4. What will you have to pay us for this service?
	No fee.
ü	We may charge a variable fee for our services. Where we do it will not exceed £3500. You will be advised prior to proceeding with the transaction if we are charging a fee and the exact amount of any such fee. If we are charging you a fee it will generally only be payable upon completion of your new loan, however in the event that you don’t proceed we charge you a percentage of the fee that would have been payable should your application have completed. The typical fee paid by our customers is £2500. We may also be paid commission from the lender.
ü	We may charge you an application fee to cover the cost of processing your application and surveying the property. The typical application fee paid by customers is £280.
You will receive a key facts illustration when considering a particular mortgage which will tell you about any fees relating to it.
5. Refund of fees
If we charge you an application fee, and your mortgage does not go ahead, you will receive:
	A full refund
ü	No refund.
6. Who regulates us?
Comline Group Ltd trading as Synergy Mortgage Processing, 8 Forest Court, Dorridge, Solihull, B93 8HN is authorised and regulated by the Financial Services Authority. Our FSA Register number is 301167. Our permitted business is advising on and arranging mortgages. You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.

7. What to do if you have a complaint
If you wish to register a complaint, please contact us:
...in writing	Write to: Synergy Mortgage Processing, 8 Forest Court, Dorridge, Solihull, B93 8HN
...by phone	Telephone: 08453453525
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
8. 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 for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. Further information about compensation scheme arrangements is available from the FSCS.