Sentinel Financial
The home of your mortgage and insurance
Who are we?
Protecting what matters most, your home, your family, and your future, is at the heart of what we do. With the wide range of mortgage and insurance options available today, choosing the right solution can feel complex and overwhelming.
Sentinel Financial is here to simplify that process. Our experienced advisors support individuals and families by providing clear, practical guidance across mortgages and insurance, helping you find solutions that align with your needs, priorities, and budget.
Why choose us?
Whether you are purchasing your first home, refinancing an existing mortgage, or seeking insurance to protect you and your loved ones, Sentinel Finance will guide you through each stage of the journey.
We work with a broad panel of lenders and insurers to identify options that best suit your circumstances. We recognise that no two clients are the same, which is why our advice is tailored, transparent, and focused on protecting what matters most to you.
Our Terms of Business
About this document
This document sets out the terms under which Sentinel Financial provides services to you. It explains the type of service we offer and outlines any charges that may apply.
By proceeding with our services, you confirm that you have read, understood, and agreed to the terms contained within this document.
How we are regulated
Sentinel Financial is authorised and regulated by the Financial Conduct Authority (FCA), or operates as an appointed representative of an FCA-authorised firm.
You can check our regulatory status and permissions on the FCA Register or by contacting the FCA directly. Our FCA reference number will be provided upon request.
Our company
Sentinel Finance
[Registered address to be inserted]
Company registration details to be confirmed.
Our service
We provide an advised service. This means we will assess your personal circumstances and needs before making a recommendation that we believe is suitable for you.
Insurance products
We offer advice on a range of protection (non-investment) insurance products, including:
- Life Insurance
- Critical Illness Cover
- Income Protection
- Buildings & Contents Insurance
- Relevant Life Insurance
Mortgage Regulation
Some mortgage products are regulated by the FCA and others are not:
- Residential mortgages are regulated by the FCA
- Buy-to-Let mortgages are not usually regulated, unless classed as consumer Buy-to-Let
- Commercial mortgages are not regulated
We will confirm whether the regulation applies to your mortgage.
Additional Buy-to-Let disclosures
By proceeding with a Buy-to-Let mortgage application, you confirm that:
- The property is being purchased wholly or mainly for business purposes
- You intend to rent the property to tenants
- Neither you nor a family member will occupy the property
- If you choose not to let the property, the lender may require full repayment or a change to a different mortgage product
- Living in the property without informing the lender would breach the mortgage terms
Increasing borrowing on a property
If you are looking to borrow additional funds, suitable options may include:
- A further advance from your existing lender
- A second-charge mortgage
- A new first-charge mortgage
- Unsecured lending (we do not provide advice on this)
What we will do
We will:
- Act in your best interests
- Communicate clearly using plain language
- Explain all relevant costs and charges
- Assess your needs before making recommendations
- Review products from reputable lenders and insurers to identify suitable options
What we will not do
We will not:
- Submit applications without first completing a full review of your circumstances
- Incur costs on your behalf without your prior agreement
- Act without your consent
- Provide advice on:
- Legal or conveyancing matters
- Taxation
- Investments or pensions
How we will operate
During our initial consultation, we will ask you to complete a fact-find to help us understand your circumstances and objectives.
We will research suitable products and provide our recommendation to you in writing. You will also receive an illustration outlining the key features of the recommended product.
You must provide accurate, complete, and honest information. Failure to disclose relevant information could affect the advice given or your ability to obtain a suitable product and may invalidate an agreement or policy.
Costs
Insurance
No fee is payable for insurance advice. Sentinel Finance is remunerated by commission from the insurer.
Home Finance products
A fee of up to £1,500 may be payable for mortgage advice.
A £99 administration fee is payable on application, with the remaining balance payable on completion.
The exact fee will depend on the complexity of your case and will be confirmed in writing before you proceed. Any commission received from a lender will be disclosed within the mortgage illustration.
Refund of fees
If we charge a fee and your mortgage does not complete:
- The £99 administration fee will be retained
- Any remaining balance will be refunded
- We will not receive any commission from the lender
Complaints
If you wish to register a complaint, please contact us using the details provided.
If your complaint cannot be resolved, you may be able to refer it to the Financial Ombudsman Service.
Financial Services Compensation Scheme (FSCS)
You may be entitled to compensation from the FSCS if Sentinel Finance is unable to meet its obligations. Further information is available from the FSCS.
How we use your data
Details of how we collect, store, and process your personal data are set out in our Privacy Notice.
We will only collect information that is relevant to providing our services. Your data will be stored securely, kept accurate, and retained only for as long as necessary to meet regulatory and legal obligations.
Cancellation rights
Cancellation rights vary depending on the product arranged. These will be explained to you and detailed in the relevant documentation. You are responsible for exercising these rights within the required timeframes.
Conflicts of interest
If a conflict of interest arises, we will disclose this to you in writing and agree on how to proceed before continuing.
Declarations
By proceeding with our services, you agree:
- To the terms and conditions set out in this document
- That we may share your information with third parties required to deliver our services
- That lenders or insurers may carry out credit searches where necessary
Our Client Charter
Sentinel Finance is committed to providing a professional, transparent, and client-focused service. We will:
- Act in our clients’ best interests
- Communicate clearly and effectively
- Respect our clients’ time
- Maintain high professional and ethical standards
- Continuously improve our services
- Protect client confidentiality and data
- Offer access to a wide range of options
- Maintain open and transparent relationships
- Invest in ongoing professional development
- Strive to exceed client expectations
Get in touch
Contact details to be inserted
Website and social media links to be added
You may be charged a fee for mortgage advice. The exact amount will depend on your circumstances.
