Great, personal customer service
Great, personal customer service
No hesitation in recommending him to friends and family
Kevin is an absolute star, he was incredibly helpful throughout the whole process….We would have no hesitation in recommending him to friends and family.
I have used this Company 3 times now and I highly recommend them
Thank you Very much for a very efficient and speedy service. from start of application process to completion .
i have used this Company 3 times now and I highly recommend them
very friendly and supportive
can’t thank you enough
A delight to talk to honest and reliable
A delight to talk to honest and reliable
everything explained in perfect English and no hidden extra charges.
I couldn’t be more pleased with my account.
Pragmatic, diligent, patient
He has provided the best alternatives and solutions which match our needs. He is pragmatic, diligent, patient and always keen to answer all the questions you may have. I can’t recommend Martyn and Pure Financial Solutions highly enough.
Your advisor will search through our leading panel of lenders to find the best loan available to suit your needs. Don’t worry if you have don’t have a perfect credit history we are here to help, even if you have CCJ’s, defaults or are self employed.
Real people, dealing with real people! Our UK based team have combined experience of 61 years helping people with loans and remortgages. We understand that everyone’s circumstances are different and we will take the time to get to know you and find the product that works best for your unique situation.
With our free quote service, there are no upfront application fees, you are under no obligation and our loan and mortgage comparison service will not affect your credit rating.
A homeowner loan, also known as a secured loan or a second charge mortgage, is a loan that is secured against your property.
Because the loan is secured against your property you can often borrow more money, at a lower interest rate than you could with a personal loan.
You can use your loan for any legal reason ranging from debt consolidation, to home improvements, to repaying a tax bill.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENT ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.
One Monthly Payment is a trading style of Pure Financial Solutions Limited registered in England and Wales, company number 04037714. Pure Financial Solution Limited’s registered office is Redruth House, Cornwall Business Park West, Scorrier, Redruth, TR16 5EZ
Pure Financial Solutions Limited is authorised and regulated by the Financial Conduct Authority under registration 712612. Details of our FCA permissions can be found on the FCA register www.fca.org.uk. Pure Financial Solutions Limited are a registered data processor and controller with the Information Commissioners Office under registration number Z6619654. See our privacy policy for more information about how we process your data.
Pure Financial Solutions Limited is a credit broker and not a lender. Lender fees may apply. Any fees are subject to status and product. We never ask for an upfront fee Pure Financial Solutions Limited may also receive a commission from a product provider once you receive your product. Pure Financial Solutions Limited is completely transparent throughout the application process of any fees associated with any product.
Representative Example for Second Charge Mortgages: If you borrow £15,000 over 10 years, initially on a fixed rate for 5 years at 6.74% and for the remaining 5 years on the Lender’s standard variable rate of 10.25%, you would make 60 monthly payments of £200.80 and 60 monthly payments of £218.05. The total amount of credit is £17,495 (this includes a Lender Fee of £995 and a Broker Fee of £1,500). The total repayable would be £25,131.00. The overall cost for comparison is 11.6% APRC representative. This means 51% or more of our clients receives this rate or better for this type of product. We have arranged borrowing with rates from 4.9% to 29% APRC which has allowed us to help customers with a range of credit profiles. We are a broker not a lender.
Secured Loans have a minimum term of 36 months to a maximum term of 360 months. Maximum APRC charged 29%. If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
The actual APRC you are eligible for depends on your individual circumstances and product selected.
During the course of dealing with us, we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your health and family health history (Your Personal Data). This document is important as it allows us to explain to you what we will need to do with Your Personal Data, and the various rights you have in relation to Your Personal Data.
Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example your name, address, date of birth, national insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.
In the context of providing you with assistance in relation to your Mortgage/Finance and Insurance requirements Your Personal Data may include:
When we speak with you about your mortgage/finance and insurance requirements we do so on the basis that both parties are entering a contract for the supply of services.
In order to perform that contract, and to arrange the products you require, we have the right to use Your Personal Data for the purposes detailed below.
Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from mortgage lenders, insurance providers and our Compliance Service Provider relating to the advice we have given to you, or to make contact with you to seek feedback on the service you received.
On occasion, we will use Your Personal Data for contractual responsibilities we may owe our regulator, The Financial Conduct Authority, or for wider compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.
Where you ask us to assist you with for example your insurance, in particular life insurance and insurance that may assist you in the event of an accident or illness, we will ask you information about your ethnic origin, your health and medical history (Your Special Data). We will record and use Your Special Data in order to make enquiries of insurance providers in relation to insurance products that may meet your needs and to provide you with advice/guidance regarding the suitability of any product that may be available to you.
If you have parental responsibility for children under the age of 13, it is also very likely that we will record information on our systems that relates to those children and potentially, to their Special Data.
The arrangement of certain types of insurance may involve disclosure by you to us of information relating to historic or current criminal convictions or offences (together “Criminal Disclosures”). This is relevant to insurance related activities such as underwriting, claims and fraud management.
We will use Special Data and any Criminal Disclosures in the same way as Your Personal Data generally, as set out in this Privacy Notice.
Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between insurance intermediaries such as our Firm, and insurance providers, to enable customers to secure the important insurance protection that their needs require.
We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to mortgage/finance and insurance. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data, for example software that is able to verify your credit status, we will only do so if we have consent from you, for us, or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
In the course of handling Your Personal Data, we will:
From time to time Your Personal Data will be shared with:
In each case, Your Personal Data will only be shared for the purposes set out in this Customer Privacy Notice, i.e. to progress your mortgage/finance and insurance enquiry and to provide you with our professional services.
Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages, it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.
We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom or European Economic Area.
If data is transferred outside the EEA whether the transfer is made on the basis of an adequacy decision by the European Commission under Article 45 of the UK GDPR. If the transfer is not made on the basis of an adequacy decision, give people brief information on the safeguards put in place in accordance with Article 46, 47 or 49 of the UK GDPR.
Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party.
We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us.
Your Personal Data will be retained by us either electronically or in paper form for a minimum period of 6 years following the advice/service you receive from us, although your data could be held for a longer period where this may be needed to meet the requirements of our regulatory bodies.
You can:
If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set out within it please contact:
The Compliance Manager
If we feel we have a legal right not to deal with your request, or to action it in a different way to how you have requested, we will inform you of this at the time.
You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own regulatory obligations.
If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
Dealing with Your Complaint
At Pure Financial Solutions, our aim is to provide you, at all times, with a first class standard of service and the highest standards of advice. However, there may be occasions when you feel that these objectives have not been achieved. We take all complaints seriously and will deal with your concerns in the following manner;