Legal and regulatory information

Who we are

Lifetime Mortgage Boutique is a trading name of Buckingham James Financial Services Limited, registered in England and Wales, company number 08053316. Registered office: Berkeley House, Pastoral Way, Clements Park, Brentwood, Essex, CM14 5WG, United Kingdom.

How we are regulated

Buckingham James Financial Services Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority number is 607121. You can check this on the Financial Services Register at register.fca.org.uk.

The information on this website is subject to the UK regulatory regime and is therefore intended for consumers based in the UK.

What we charge

A fee may be charged for mortgage advice. The exact amount will depend on your circumstance. We are paid by the lender at no cost to you. Sometimes we charge an additional fee depending on circumstances. All our initial consultations are no obligation, free of charge and we will be transparent if there will be any charges for additional advice or services.

Lifetime mortgages

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home, or if you want your family to inherit it. A lifetime mortgage reduces the value of your estate and may affect your entitlement to means-tested benefits. If you are in any doubt, seek independent advice.

Other services

Will writing and some forms of estate planning are not regulated by the Financial Conduct Authority.

Complaints

Our complaints procedure, including how to refer a complaint to the Financial Ombudsman Service, is on our complaints page.