About us Located just north of Belfast, Black Pearl Finance & Property cover the whole of the province bringing financial solutions to you at a time and place which is convenient to you. We offer a comprehensive range of services for mortgages, general insurance products, and property purchases, so whether you are looking for that standard deal or a niche product, we have an excellent proposition. Whose mortgage products do we offer? We offer products from the entire market. We are totally independent meaning we work for you, not a financial institution. Who regulates us? We are authorised and regulated by the FSA (Financial Services Authority). The FSA do not regulate all types of mortgages. Our service promise At Black Pearl Finance & Property we are committed to providing the highest level of service at all times and to all of our clients. We recognise that your mortgage or property purchase is one of the largest investments you will ever make and we will provide you with professional and ethical advice that best suits your goals and your financial circumstances. Our highly experienced advisers are supported in their research by the most advanced mortgage sourcing system in the UK, providing access to thousands of mortgage products. How we are paid You do not pay us a fee, we will be paid a commission by the mortgage provider on completion of the loan. The amount of this payment shall be disclosed to you at the outset. The commission we earn is not paid by you in any way, and it does not affect the rate that you receive, and it is not added to your mortgage. It is basically a low cost way of the lender ensuring that they can attract new customers without relying on them walking through their doors. We do not like to charge you a fee if we do not have to, because we are receiving payments from the above sources for arranging your new mortgage. However, we may charge a fee where it is a particularly tricky to find a mortgage for you, for example, you may have a very poor credit history or you may have difficulty proving your income, also with some buy to let and commercial mortgages. If a fee applies to you we will make you fully aware from the outset. The maximum fee will be 1% of the mortgage. It is our opinion that the fee should be charged on the amount of work involved rather than the size of the mortgage. Lastly you could choose to pay us a fee of 1% of the mortgage upfront, and any commission we receive from the lender will be refunded to you. Any fees paid upfront will not be refundable, even if the mortgage does not progress to completion. Complaints If you wish to register a complaint, please write to: Black Pearl Finance & Property 259 Glebe road Carnmoney Co Antrim BT36 6NF Or call 07828 471950 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. For more information or to discuss your particular requirement, click here to contact us.