Calluna Financial
6 Primrose Street,
Alloa,
Clackmannanshire,
FK10 1JG
The FCA 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.
It is important that you are aware there may be alternative options to finance your requirements which, if relevant, your adviser will consider and discuss with you, for example, a Second Charge Mortgage, Unsecured Lending, or a Further Advance. If an alternative route appears to be the most appropriate and our adviser is not authorised to provide the advice, they may recommend a referral route.
You will receive a quotation that will tell you about any other fees relating to a particular insurance policy.
A refund of 50% of the fee we charge (50% of £399 is £199.50) will be given if you are not successful in your mortgage application is not successful.
However, please note there will be no refund of our fee should the lender reject your mortgage application due to you not disclosing any material information about your personal situation.
Calluna Financial is authorised and regulated by the Financial Conduct Authority.
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.
Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme.
It is important you are aware that, in most cases, advice on a Buy-to-Let mortgage will not be regulated by the Financial Conduct Authority (FCA). There are limited exceptions, including where the tenant is a member of the borrower's family or the property will be occupied by the borrower as a primary residence.
Calluna Financial is now an approved broker for the Own New scheme, a powerful initiative designed to make buying a new build home more accessible through innovative shared equity solutions. This accreditation allows us to support housebuilders in accelerating sales and help buyers step into homeownership with reduced upfront costs and competitive mortgage rates. Whether you're a developer or a first-time buyer, we’re here to guide you through every step.
Calluna Financial is directly authorised by the Financial Conduct Authority to search the whole of market. FCA Authorisation number: 1020528
Calluna Financial Registered Office: 6 Primrose Street, Alloa, Clackmannanshire, Scotland, FK10 1JG. Registered in Scotland: SC490368.
© Calluna Financial Limited. All Rights Reserved.