About Us

Experts in mortgages, pensions and investments for over 20 years

We first opened for business in 1995, and have been serving St. Albans, and the rest of the UK, ever since. We offer a full range of financial services products. Our clients tend to come from referrals, from professional third parties and our existing client base.

Your home may be repossessed if you do not keep up repayments on your mortgage.

A typical fee for mortgage advice is about 1% of the mortgage advance.

What protection do I have?
We will always endeavour to ensure the products recommended are suitable for you. When we are advising you on regulated products (including investments, insurance and some forms of mortgages) you have the protection of the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS).

If you are unhappy about the advice or service you have received you should firstly contact us. This gives us the chance to put things right. Should you remain dissatisfied you maybe entitled to refer your complaint to the FOS who will investigate the complaint independently and make a ruling. The FOS work with customers and financial advisers to resolve a complaint, and when they do have to make a ruling it is binding upon the firm. Full details of how to contact the FOS together with information about how to complain are available from their website – www.financial-ombudsman.org.uk or by telephoning 0800 0234567.

If you try to submit a complaint to us and we are no longer trading, or unable to meet our obligations, you may have recourse to the FSCS (Financial Services Compensation Scheme). This service is funded by levies on firms that are authorised by the Financial Conduct Authority to protect customers where firms have closed or gone into liquidation.

Anything else I should know?
Some financial advisers do give advice on products that are not regulated by FCA – such as general taxation and some Buy-to-Let mortgages. We will explain to you when you are receiving advice on an unregulated product. It is important you are happy with the advice as you may not have the added protection of the FOS or FSCS when dealing with some unregulated products.

We can offer a free initial financial assessment, so contact us for more information.

Call us today on 01727 858136.

© Copyright Consolidated Financial Management Ltd 2016
83 Camp Road, St Albans, Hertfordshire. AL1 5JN