Your journey with us, step by step and in one place.
We’ve built our secure, online, interactive portal to present ideas, gather information and create recommendations designed to suit you.
We can organise your protection and mortgage quickly with the minimum of fuss all from one place - saving you time and hassle.
We use two factor authentication to protect your data. When you have logged in, we will send you a PIN to your phone which you must enter before you can access the portal.
Broadbench Limited is able to act on your behalf in advising you on mortgages and insurance planning. We offer you an initial discussion (without charge) at which we will describe our services more fully and explain the payment options. Following our initial discussion, and should you decide to go ahead, we will advise you if there is a fee for our service.
Broadbench Limited offers advice on mortgages and insurance and will complete a detailed analysis of your financial circumstances together with recommendations where appropriate. Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your financial objectives and attitude to any risks that may be involved. We will also take into account any restrictions that you wish to place on the type of products you would be willing to consider.
You should note that where we provide services in relation to increased borrowing on an existing mortgaged property there may be alternative options available to you that may be more appropriate. For example, you may be able to obtain a further advance from your existing lender or obtain an unsecured loan for the additional funds. Where your existing mortgage is a first charge against the property a second charge mortgage may be available and where the existing mortgage is a second charge a first charge loan may be available.
Broadbench Limited is able to act on your behalf in advising you on Consumer and Business Buy to Let mortgages. Please note that unlike most mortgage advice, the advice given on buy to let mortgages is not regulated by a regulatory body, such as the Financial Conduct Authority (FCA).
We offer mortgages from the whole intermediary market. We offer mortgage in the non-business and business markets and for first and second charge loans in both markets.
A fee of £100 payable prior to submitting an agreement in principle.
A further £400 is payable prior to submitting the full mortgage application. We will receive a commission from the lender in addition to the fees you pay.
If we charge you a fee, and your mortgage does not go ahead, this fee is non-refundable.
If we are paid commission by one or more mortgage lenders, you have the right to request information on the levels of commission we will receive from different lenders in relation to any mortgage product recommended.
There may be additional costs and charges related to the mortgage product we recommend. You’ll receive a Key Facts Illustration / European Standardised Information Sheet when considering a particular mortgage which will tell you about any fees relating to it.
Our advised protection planning services are suitable if you are looking for the best way to protect you, your family or your business through products such as critical illness cover, health insurance and life cover. We advise on non-investment protection products e.g. term assurance, income protection and critical illness from a range of insurers.
We give advice on the basis of a fair analysis of the market and offer products from a range of insurers for Term Assurance, Critical Illness Insurance, Permanent Health Insurance, Private Health Care, Buildings Insurance, Contents Insurance, Accident Sickness and Unemployment Insurance.
There is no fee. We will be paid by commission from the provider.
We will confirm to you in writing the basis of our recommendations. We will also provide you with a ‘Key Facts’ illustration (KFI)/European Standardised Information Sheet (ESIS) which is a personalised description of the costs and features of the mortgage/product that we are recommending. You may ask us to provide you with additional KFIs for any mortgage/product for which you are eligible.
Your personal information is important to us. We will endeavour to take all due care to protect this information. We highlight below matters relating to your information that you should be aware of.
Some services are provided to our firm by third parties, such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. Personal information held by ourselves may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to any such third parties. This information may be transferred electronically (e.g. e-mail) and we, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time.
Product providers and lenders may administer your policy, any existing policies you may have with them and provide other services, from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of Data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under the Data Protection Act even when your personal information is processed outside Europe.
We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning.
We will endeavour always to act in the best interests of you our client. However, circumstances can arise where we or one of our other clients may have some form of interest in business being transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.
We may communicate with you by telephone, post, e-mail or in person. In certain circumstances, we may ask you to confirm any instructions in writing prior to implementation. All our communications with you will be in English.
This agreement shall commence on the date of issue and shall remain in force until terminated.
You, or we, may terminate this agreement and our authority to act on your behalf at any time, without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this agreement unless otherwise agreed in writing. You will be liable to pay for any services provided prior to termination and any fees outstanding, if applicable.
Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before the conclusion of any contract.
In most cases, you can exercise a right to cancel by withdrawing from the contract. In general terms, you will normally have a 30 day cancellation period for a life, protection or payment protection policy and a 14 day cancellation period for all other policies. Please note that there is no right to cancel a mortgage contract once the mortgage transaction has been concluded.
Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be provided to you.
Broadbench Limited is authorised and regulated by the Financial Conduct Authority (FCA), 12 Endeavour Square, Stratford, London, E20 1JN.
Our Financial Services Register number is 590288. Our permitted business is advising on and arranging mortgages and non-investment insurance contracts. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.
If you are dissatisfied with a recommendation we have made you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us:
In writing: The Compliance Officer, Broadbench Limited, 2 Stanley Road, Poole, BH15 1QY
By phone: +44 1202 700053
By e-mail: email@example.com
Please be assured we treat complaints seriously. For your further protection, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.
The Online Dispute Resolution (ODR) platform is available for consumers to make complaints about products and services bought online. Full details of the ODR can be found on its website at http://ec.europa.eu/consumers/odr/ Financial Services Compensation Scheme.
We are also covered by the Financial Services Compensation Scheme (‘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.
Insurance – advising and arranging is covered for 90% of the claim, without any upper limit. Mortgages – advising and arranging is covered up to a maximum limit of £50,000.
Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk/consumer.
We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of a service for which we have sent you an invoice) or handle cash.
This agreement is governed by and should be interpreted in accordance with English law and you agree to submit to the non-exclusive jurisdiction of the English Courts.
Neither our firm nor our employees are qualified to render legal or accounting advice or to prepare any legal or accounting documents. It is hereby understood and agreed that the onus is on you, the client, to refer to a solicitor or accountant any point of law or accountancy that may arise during the course of discussions with us.
We advise on mortgage products from the whole of the market. This means that we source the recommended mortgage from the range of mortgages available to "intermediary" firms. Certain lenders may offer products directly to the public, rather than via an intermediary firm. Accordingly, our recommendation to you will be based on the most suitable mortgage product incorporated within the range available to intermediary firms.
We may contact you in the future by means of an unsolicited promotion (by telephone, email or post) should we wish to discuss the relative merits of a particular mortgage product or service which we feel may be of interest to you.
Your insurance / protection cover is based on the information you provide to the insurance company. Where you are buying insurance as an individual, this means that you must take ‘reasonable care’ to answer all questions asked by the insurer fully and accurately. For general insurance policies such as car insurance or liability insurance, once cover has been arranged, you must immediately notify the insurers or us of any changes to the information that you have already provided. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid. All other clients (e.g. commercial clients) must still disclose all ‘material facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of the policy. Again, failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid.
This is our standard client agreement upon which we intend to rely. For your own benefit and protection, you should read these terms carefully. If you do not understand any point, please ask for further information. This client agreement replaces any previous agreements and understandings we have with you, and will only be modified where confirmed in writing.
The client agreement will come into effect from the date of issue.
By accepting this document, you authorise the transfer of personal information, on a confidential basis and in accordance with the Data Protection Act 1998, between Broadbench and any relevant third parties. You also agree that Broadbench, or any such third party may contact me in the future by any means of communication (including by electronic communication e.g. email) considered appropriate at the time.
Acceptance of this document also confirm that you are happy to give Broadbench express consent to contact you by telephone, email, text or post, to discuss advising on or arranging a mortgage product in the future.
Website visitor: We use a combination of cookies and website analytics to collect data on who visits our website. With this information, we are able to build a better picture of who you are and, in turn, provide you with a better service.
Potential client: When you fill out our website contact form or give us a ring to arrange an appointment with one of our advisors, we’ll need your name, email address and contact number. These are stored in our secure data management system.
Client: When you work with one of our advisors to ascertain what policies or mortgages are right for you, we’ll need to collect a number of pieces of information about you. The information this includes is dependent on the mortgage or insurance product you are seeking and is often described by the Information Commissioner’s Office (ICO) as ‘special category data.’ As an example, to carry out a quote with an insurance provider for critical illness or life insurance, we will need to ascertain information on your mental and physical health. To process this data we require your consent and consider it processed under Article 9(2) (a) of the GDPR.
This information will be required to submit your application to the product provider and will be retained on file for compliance purposes as per the Financial Conduct Authority (FCA) guidelines. Without this data or information, and a detailed understanding of who you are and your circumstance, we won’t be able to provide you with a quote or recommendation. This data is stored in our secure data management system.
As described, we collect information about you in order to successfully and appropriately manage and process your mortgage or insurance quote request and application.
We will need to share your data with third party providers to obtain the mortgage and insurance quote, and ultimately secure your chosen product at the application stage.
We also commit, as a company, to periodically checking that these third party providers have appropriate safeguards in place to protect your data and that they are compliant with Data Protection Regulations.
Additionally, if you consent, we will also email you about other products and services we think may be of interest to you.
We take the security surrounding your data very seriously and have employed numerous technical and organisational security measures in order to protect your personal data against accidental or intentional manipulation, unlawful destruction and loss as well as against unauthorised access or disclosure. This includes staff data protection training and the use of highly secure data storage systems that are globally renowned.
Salesforce: Salesforce is the world’s leading customer relationship management system with clients that include Phillips, Sony, Unilever and others. We are confident of the security measures they have in place, and you can read more about them here.
Our own client portal: We invite our clients to use our own secure client portal in order that their personal details are always available for them to view and edit as applicable. Any information you enter into our systems is encrypted in your browser and can only be decrypted at our server. This includes documents; documents that you upload to the server are encrypted before being saved to the file system to prevent any unauthorized access.
This portal is hosted at Heart Internet, who take both physical and virtual security very seriously. The data centres have security teams on site 24×7 and are closely monitored using both internal and external CCTV. Data centre access is restricted to a very select number of named staff who are required to have appropriate security clearance and secure fobs to gain access.
In addition, client access to the portal requires two-factor authentication which ensures that you know the password to the account and, you are in possession of the mobile phone that is associated with the account to receive an SMS message each time that you login.
We work hard to ensure that our security measures are dynamic, not static, and are continually enhanced as new technology becomes available.
We would like to send you information about products and services of ours and other companies in our group which may be of interest to you. If you have consented to receive marketing, you may opt out at any time by simply clicking the unsubscribe link at the bottom of any email or by sending us an email at firstname.lastname@example.org. You have a right at any time to stop us from contacting you for marketing purposes.
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please email or write to us at the following address: email@example.com or 2 Stanley Road, Poole, Dorset, BH15 1QY.
We want to make sure that your personal information is always accurate and up to date. If you would like us to correct or remove information you think is inaccurate then please advise us using the contact details detailed in the previous paragraph.
Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information. This information is used to track visitor use of the website and to compile statistical reports on website activity. For further information visit www.aboutcookies.org or www.allaboutcookies.org. You can set your browser not to accept cookies and the above websites tell you how to remove cookies from your browser. However, if you do this, some of our website features may not function as a result.
Letter: 2 Stanley Road, Poole, Dorset, BH15 1QY
If you would like to contact our data protection lead directly, you can do so by emailing FAO The Data Protection Officer at firstname.lastname@example.org
If at any time you wish to complain about anything we have done or you have any concerns about how we treat your privacy or data you can complain to the ICO by calling this number: 0303 123 1113 or visiting their website: www.ico.org.uk/concerns/
Any material found with the pages of the website of Broadbench, including text or images, may not be copied, reproduced, republished, downloaded, posted, broadcast or transmitted unless for the purposes of promoting Broadbench’s services. You will not edit, adapt, alter or create any derivative work from any of the material contained in this website.
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this website by any third party. Such restriction or inhibition includes, without limitation, conduct that is unlawful, or which may cause distress or inconvenience to any person and the transmission of obscene or offensive content, or disruption of normal flow of dialogue within this website.
In no event will Broadbench be liable for any damages including, without limitation, indirect or consequential damages, or any damages whatsoever arising from use or loss of use, data, or profits, whether in action of contract, negligence or other tortuous action, arising out of or in connection with the use of the website of Broadbench.
Broadbench does not warrant that the functions contained in the material contained in this website will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy or reliability of the materials.
If any of these terms and conditions should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these Terms and Conditions are intended to be effective, then to the extent and within the jurisdiction which that Term or Condition is illegal, invalid or unenforceable, it shall be severed and deleted from this clause and the remaining Terms and Conditions shall survive, remain in full force and effect and continue to be binding and enforceable.
These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising here from shall be exclusively subject to the jurisdiction of the courts of England and Wales.
By entering this website you are accepting these Terms and Conditions. If for any reason you cannot accept these Terms and Conditions in full then you must leave the website of Broadbench immediately.
We reserve the right, at any time, to modify, alter, or update the terms and conditions.