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About our services

What products do we offer?

We offer a wide range of commercial Property Products including: Commercial Mortgages, Buy-to-Let Mortgages, Bridging Loans, Development Finance.

We also provide a variety of Products for Trading Businesses including: Secured or Unsecured Business Loans, Asset & Invoice Finance, Trade & Supply Chain Finance and VAT/Corporation Tax Loans.

Whose products do we offer?

We offer a comprehensive range of commercial financial solutions from across the whole of the market which represent a fair analysis of the relevant market.

What service will we provide you?

We will advise and make recommendations for you, after we have assessed your needs. You will need to make your own choice about how to proceed when choosing which lender to select based on the options presented from the facts we gathered. We are a credit broker, not a lender.

What will you have to pay us for our service?

For Trading Businesses Products, there will not be an Engagement Fee, nor a Broker Fee charged.

For Commercial Property Products, the following Fees apply:

Engagement Fee — to assess and research your requirements. Typically, our Engagement Fees are:

• £199 for loans up to £500,000

• £499 for loans between £500,001 and £1,000,000

• £999 for loans over £1,000,000

Our Engagement Fee will become payable on the date of signing the Terms of Business Agreement.

Broker Fee — to prepare your applications and liaise with lenders. We charge a broker fee of 1% of the gross loan amount. Our Broker Fee will become payable on production of an Offer Letter and will be collected directly from you at that time.

All fees are non-refundable.

If the lender does not pay an introductory commission, the broker reserves the right to charge a further 0.75% of the loan amount.

Introducer payments

We may on occasions pay introducers who have passed your details to us at no additional cost to yourself — details of such payments can be made available upon request.

What will be paid to us by the Lender?

We will typically receive Commission from the Lender as well as receiving Fees separately from you. The existence and nature of commission arrangements where the commission varies depending on the lender, product or other permissible factors will always be disclosed.

Who regulates us?

Beacon Finance Brokers Ltd is registered at 210-214 Union Street, Aberdeen, AB10 1TL. Company Register number is SC888824. Beacon Finance Brokers Ltd is an Appointed Representative of The Fiducia Network Ltd, which is Authorised and Regulated by the Financial Conduct Authority under FRN 917537. You can check via www.register.fca.org.uk. We are a credit broker, not a lender.

Beacon Finance Brokers Ltd is a Member of the National Association of Commercial Finance Brokers (NACFB), number 40070. You can check our membership status at https://www.nacfb.org.

What to do if you have a complaint?

If you wish to register a complaint, please contact us:

In writing: Compliance Manager, The Fiducia Network Ltd, Aura Business Centre, Manners Road, Newark NG24 1BS

By telephone: 01636 614060

A copy of our complaints procedure is available upon request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Contact: 0800 023 4567 or 0300 123 9123. Website: www.financial-ombudsman.org.uk

Are we covered by the Financial Services Compensation Scheme (FSCS)?

Your transaction may be covered by the FSCS for regulated transactions only. You can find out more at www.fscs.org.uk