Fund Supermarket
About Us
Coombe Financial Services Ltd , staffed by finance
professionals with many years experience in the Insurance, pension mortgage
and loan market, provides a high quality service across the UK.
With our experience, we have developed an enviable reputation for providing
high quality, efficient advice to all our customers.
Our computer databases allow us to keep up to date information of over
8,000 mortgage and loan schemes on a daily basis and with that number
of products, we are able to find all of our customers the most suitable
mortgage to suit their own individual circumstances.
For a free initial discussion, please do not hesitate to contact us either by our enquiry forms or by telephone.
Coombe Financial Services Ltd. is registered in England & Wales No. 3162248
Our mission statement
1. We wish to be seen as a firm that treats its clients fairly
2. We ensure that our clients' best interests are embedded in our business practice
3. We provide clients with a business card, our Terms of Business and the prescribed Key Facts about our Services
4. We ensure that clients understand the level of service we propose to provide and how much they can expect to pay for it
5. Where we propose to charge a fee we agree costs before commencement of work
6. Where clients wish to pay their fee by allowing us to retain commission payments, such amounts will be offset against the fee and any difference to the client will always be refunded. If we intend to retain excess commission we will always obtain the client's consent.
7. We disclose any third party remuneration and bring to our clients' attention any possible conflicts of interest
8. We exhibit clarity in all dealings with our clients
9. We will not take advantage of a client's ignorance, inexperience or weakness
10. We show flexibility, empathy and consideration in all our dealings with clients
11. We endeavour to know our clients' personal and financial circumstances including their income, expenditure and affordability, as well as understanding their needs, objectives and attitudes both now and in the future.
12. We maintain our professional competence ensuring that we keep abreast of changes in legislation and the marketplace
13. We do not offer advice on products or services for which we are not competent and will instead refer clients to an appropriately qualified professional
14. We provide advice that is appropriate and consistent with clients' priority needs
15. We provide advice that is unbiased by considerations of remuneration or other benefit to ourselves
16. We carefully research our recommendations and ensure that we fully understand how products operate
17. We advise clients of needs of which they be unaware and will structure a programme over time to protect a client's exposure to risks whilst capitalising on opportunities via good financial planning
18. We recommend the most appropriate product(s) available taking into account our clients' needs, objectives and attitudes
19. We give clients the option to act upon our recommendations or reject them if they wish without pressure to proceed
20. We use plain English in all customer communications, ensuring they are clear, fair and not misleading
21. We avoid the use of jargon
22. We make clear the basis on which we make any assumptions and highlight the fact that these bases are subject to change
23. We provide sources for any quotations made, ensuring that these are appropriate and in context
24. We detail the charges, penalties and drawbacks of any product(s) recommended incorporating the relevant FSA risk warnings
25. We provide clients with accurate Key Facts illustrations of any product(s) we recommend
26. We ask clients whether they understand the documents we have provided
27. We ensure that we are satisfied that our clients understand the benefits, risks and associated costs of the product(s) they're buying
28. We do our utmost to resolve mistakes and misunderstandings as quickly and fairly as possible
29. We keep copies of all correspondence and documentation and file these in a manner that is both secure and easily retrieved.
30. We adhere to the Data Protection Act and respect our clients' confidentiality ensuring that documents that could be accessed by third parties are password protected, encrypted or shredded as appropriate
31. We keep in touch with our clients and provide them with appropriate information from time to time
32. We invite feedback from clients and endeavour to incorporate reasonable suggestions into our business practice
33. We advise clients of our complaints procedure and will deal with complaints in a fair and appropriate manner
The levels and bases of taxation are subject to change.
The guidance provided within this website is subject to the
UK regulatory regime and is therefore primarily intended for consumers based
in the UK.
This site does not confer any form of personalised financial advice, should
you wish to receive specific financial advice please contact us.
Coombe Financial Services Ltd. is an appointed representative of Interdependence Ltd. which is authorised and regulated by the Financial Services Authority. Interdependence Ltd. is entered on the FSA Register (www.fsa.gov.uk/register) under reference 149826