Oakwood Finances
01303 621511 - Folkestone, Canterbury, Ashford, New Romney, Margate
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The content of this Website is owned and operated by Oakwood Finances. Reproduction of part or all of the Website is prohibited other than in accordance with this Notice. By accessing any part of this website you are agreeing to abide and be bound by such Terms of Use. If you do not agree to these terms in full you are not permitted to use the website and must leave the site immediately.

Use of Content

You will ensure and must satisfy yourself that your systems and resources are suitable and perform sufficiently well to use our Website. We are not responsible for any technical or other issues that may arise if you download software or upgrade your browser software to enhance your usage of the Website. You acknowledge that the information and material contained on the website may not be error free and may contain defects. You will rely on your expertise and judgement to ensure that the information and material contained on the Website and any output from them are suited to your needs and purposes. You will only use the documentation and information that you have access to on this Website or supplied by Oakwood Finances, to support your own business. You are not allowed to give, reproduce or transfer materials to any third parties, including advisers not within your firm, whatsoever for remuneration or otherwise. You must not deliberately distribute software viruses (or other such harmful software), unsolicited email, nor gain (or attempt to gain) unauthorised access into any part of this website. From time to time we may provide services through the Website where the download time may vary considerably between the types of content, you agree that you are wholly liable and responsible for any telephone call and/or other charges incurred in downloading the same. You may not do any of the following without prior written permission from us: remove the copyright or trade mark notice(s) from any copies of content downloaded from the website; create a database in electronic or structured manual form by systematically downloading and storing all or any of the content unless were explicitly authorised; impersonate another person or use a false name or a name you are unauthorised to use or create a false identity or e-mail address or try to mislead others as to the identity or origin of any communications; or damage, interfere with or disrupt access to the Website or do anything, which may interrupt or impair their functionality. We retain the right to prevent you from accessing areas of the Website, without prejudice to any of our accrued rights, where we in our sole discretion consider it right to do so or consider you are contravening our acceptable use policy or Terms of Use.

Registration

Where any part of the Website or one of our Registration/Order Forms requires completion, you are obliged to provide accurate and complete registration information. If you give us false or inaccurate data and we suspect fraud we will record this at the prevention agencies. It is your responsibility to inform us immediately if any of these details change. 

Liability

We take all such steps as are reasonably necessary to provide a fast and reliable website, but exclude to the fullest extent permitted by law any liability for the security of the services on the Website or for any disruption of the Website however caused, loss of or corruption of any material in transit, or loss of or corruption of material when downloaded onto any computer systems. We provide access to the Website on an ‘as is’ basis and make no representations or warranties of any kind as to the Website or the content. We make no representations or warranties about the accuracy, completeness or suitability for any purpose of the content published on the Website. Any liability however it occurs, for any such inaccuracies or errors are expressly excluded to the fullest extent permitted by law. A person who is not a party to this Agreement may not exercise any rights under the Contracts (Rights of Third Parties) Act 1999.

Indemnity

We will not in any circumstances be liable, whether in contract (by way of indemnity or otherwise), tort (including negligence and breach of statutory duty), restitution or otherwise for loss of profits, loss of contracts, loss of revenue, loss of data, loss of use of equipment or process, loss of anticipated earnings or savings, or wasted management time each one howsoever arising and whether or not we have been informed of the potential loss or damage arising and whether incurred directly, indirectly or consequentially by you or any third party. You agree to indemnify us and any of our officers, employees and agents harmless from and against all and any expenses, losses, liabilities, damages, costs or expenses incurred and any claims or legal proceedings which are brought or threatened, in each case arising from your use of or conduct on, the Website and/or a breach of these Terms of Use and your violation of any applicable laws, regulations or statute. We will not be liable for any unavailability of our services where it is caused by circumstances outside our reasonable control.

Advertising

The Website may contain advertising. Advertisers are responsible for ensuring that material submitted for inclusion on the Website complies with applicable laws, codes and regulations. We exclude to the fullest extent permitted by law any responsibility for any error or inaccuracy appearing in any advertising material.

Third Parties

By using our website you may be able to directly access third party websites or see content published from them. We do not own, operate or control such third party websites and are not responsible for their content. Since we do not control these websites, you are responsible for reviewing and abiding by their privacy policy and exclude us from all liability of any kind arising from such content or information. If you access third party websites you do so at your own risk. Your dealings with any third parties, and any Terms of Use agreed with, or representations given by, such third parties, are solely between you and such third party.

Competitions and Prize Draws

We may from time to time run competitions, free prize draws and/or other promotions on the Website. These will be subject to additional Terms and Conditions that will be made known to you at the relevant time.

Changes to this Policy

We reserve the right to make changes to any part of this Website. Due to our policy of updating and improving the Website, it may therefore be necessary to change these Terms of Use. If you use any of the Website after we have published such changes, you will be agreeing to be bound by those changes. If you do not agree to be bound by them, you should not use the Website.

Termination

We may terminate the provision of our Website or restrict your access without any prior notice to you where (by way of example and without limitation): there is a regulatory or statutory change limiting our ability to provide a Website; any event beyond our reasonable control prevents us from continuing to provide a Website; or we consider in our sole discretion that it is necessary to do so or you are otherwise acting in breach of these Terms of Use. Contact us If you have any queries concerning any part of these Terms of Use. Please contact us by email, using the address indicated in the Website to which your query relates. You also have a right to request a copy of any personal data held by us at any time. We may contact you by post, telephone or by electronic means, (including email and sms text messaging) about services and/or products offered by us which we consider to be of interest to you. You have the right at any time to stop us from contacting you or giving details to others for marketing purposes. If you wish us to stop, please confirm in writing to:

Oakwood Finances 15 Cauldham Close Folkestone Kent CT18 7HH

Law & Jurisdiction

These Terms of Use shall be governed by and interpreted in accordance with the laws of England and Wales and you irrevocably agree that the courts of England shall have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with, these Terms of Use. You may not assign, sub-license or otherwise transfer any of your rights under these Terms of Use. If any part of these Terms of Use is found to be invalid by any court having competent jurisdiction the validity of the remaining terms will be unaffected. If either party does not exercise any right or remedy under these Terms of Use, this will not be taken to mean that they have been waived.

Complaints

It is our intention to provide you with a high level of customer service at all times.  If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Charges  

  • First meeting: Free
  • Processing Charge: £199
  • Application fees: We charge up to 1% dependant on circumstances on regulated products so on £100k our charge would be between £0 to £1000 this charge can be more for complex mortgages.
  • For Buy to Let mortgages and all Development & Commercial lending terms are agreed on an individual basis.
  • We also receive a commission from the lender.

These are Oakwood Finances charges and are in addition to lenders charges, solicitors fees, survey costs etc.

Ian Brown trading as 'Oakwood Finances' is an appointed representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 843578. The FCA do not regulate Business Buy to Let Mortgages or Commercial Mortgages to Limited Companies. The guidance and advice contained within this web site Is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Oakwood Finances operate throughout Folkestone, Canterbury, Ashford, New Romney, Margate and surrounding areas in Kent, United Kingdom.

-- Your home may be repossessed if you do not keep up the payments on your Mortgage --

There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be 0.75%.

Commission Disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.