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Multi-award-winning Steve is a true expert in sourcing finance for property investors having won both Complex Buy to Let Broker of the Year 2017 (British Specialist Lending Awards) and Buy to Let Broker of the Year 2012 (British Mortgage Awards).
Steve has more than 30 years’ experience in Financial Services. Before setting up Dovecote Property Finance Ltd, Steve spent 19 years at specialist brokers Mortgages for Business. His final 2 and a half years at MFB was as Managing Director responsible for one of the largest Buy to Let & Commercial mortgage brokerages in the country.
Prior to MFB, Steve spent time as an Independent Financial Adviser for The Woolwich and 12 years as a Retail Banker at NatWest. His professional qualifications include the Financial Planning Certificate (FPC), Certificate of Mortgage Advice and Practice (CeMAP) and the NACFB’s Diploma in Commercial Finance.
Steve is also a Non-Executive Director at the National Association of Commercial Finance Brokers (NACFB).
We offer a wide range of commercial financial products including:
Buy to Let Mortgages, Commercial mortgages, Development Finance & Bridging finance.
We offer a comprehensive range of commercial financial solutions from across the market.
We will advise and make a recommendation for you after we have assessed your needs.
A Broker fee of up to 1% of the loan payable on receipt of a formal mortgage offer depending on the complexity and product type of the case. Our typical fee is £499 for a standard Buy to Let contract. A complex commercial deal will be negotiable up to the 1% maximum.
In some circumstances, we may also charge an up-front admin fee of £499 depending on the complexity of the case.We will receive commission from whichever lender we introduce you to. This will either be a fixed fee or a fixed percentage of the amount you borrow. The amount we receive is subject to the terms of Our arrangements with the Lender who pays that Commission.
You are aware that We are required to disclose the nature of Commission in Our communications, as well as when making a recommendation to You. The existence and nature of Commission arrangements where the Commission varies depending on the Lender, product or other permissible factors will always be disclosed. The disclosure will also cover how the arrangements could affect Our recommendations to You. You will be advised by the lender of any such payment within their formal offer letter.
The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers, considering buying certain financial products, to decide if our services are right for you.
Dovecote Property Finance is an appointed representative of The On-Line Partnership which is authorised and regulated by the Financial Conduct Authority.
Dovecote Property Finance Ltd is also a member of the National Association of Commercial Finance Brokers (NACFB). We adopt a strict Code of Practice and Minimum Standards set by the Association. You can check Our membership status by contacting the NACFB on the below link.
https://www.nacfb.org
If you wish to register a complaint, please contact us.
In writing: To: The Complaints Officer, Dovecote Property Finance Ltd, The Old Dovecote, Dunmow Road, Hatfield Heath CM22 7EE
By telephone: 01279 730826
Alternatively, you may contact In-Partnership
In writing: To The Compliance Department, On-Line House, 50-56 North Street, Horsham, West Sussex, RH12 1RD
By telephone: 01403 214 200
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
Contact: 0800 0234567, 0300 1239123.
To learn more about the customer disputes resolution process, read - Customer Disputes Resolution
Website: www.financial-ombudsman.org.uk
Your transaction may be covered by the FSCS for regulated transactions only. The FSCS is the UK’s statutory Deposit insurance and investors compensation scheme for customers of authorised financial services firms. FSCS exists to protect customers of financial services firms that have failed. If the company you’ve been dealing with has failed and can’t pay claims against it, the FSCS may be used to pay compensation.
You can find out more about FSCS at www.fscs.org.uk
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