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Free Silver Buddy Status
If you are a Specialist Sub-Contractor you are entitled to a full 3 months status absolutely FREE!
All you have to do to take advantage of this fantastic service for Specialist Sub-Contractors is to click Register and in the blink of an eye you will be able to take advantage of these superb benefits;
- Free initial Debt Recovery with our Debt Due or Dispute letter
- Free Contractual Protection with our Is This Contract Onerous? Service
- Use of Ask Streetwise and Streetwise Confidential facilities
- Access to view all Streetwise Guides
- Post on the Streetwise Forum
- Get quick answers from Streetwise Wiki
- Regular e-mail up-dates on issues crucial to your success as a Specialist Sub-Contractor
Click Register for full details of your Free Silver Buddy Status.
You must be a Specialist Sub-Contractor to qualify!
All benefits are subject to our Terms and Conditions.
Mortgages
Did you know that sub contractors are dealt with differently by different lenders?
Some lenders will treat the sub contractor as self employed and others will treat the sub contractor as employed dependent upon the number of contractors they are currently working for.
The mortgage industry became regulated by the Financial Services Authority (FSA) in November 2004. As part of the regulatory process any firm providing information or advising on a regulated product has to ensure certain disclosures and documents are provided to the consumer at certain times throughout the process to enable the consumer to make an informed choice in respect of the service and the regulated product.
Two key documents within the process are known as the Initial Disclosure Document (IDD) and the Key Facts Illustration (KFI).
The IDD should provide the consumer with the details of the firm providing the information and should include key items such as charges, type of advice provided and details on how the consumer can complain in respect of the provider.
The KFI is in effect a specific quote for the regulated product and should include specific information in respect of the product including the annual percentage rate(APR)
If you are currently having problems obtaining a mortgage or would like to obtain more information we would strongly recommend that you use the Ask Streetwise or Streetwise Confidential facilities on this site.
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