Terms & Conditions

About aFinancial

aFinancial is a trading name of Maryam Tala Maleki (FRN 509611), who is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Registered Address: aFinancial, 51-52 Calthorpe Rd, Birmingham, B15 1TH.

Our Services

We provide independent mortgage advice and work with a comprehensive range of lenders to find the most suitable mortgage for your circumstances. Our services include:

• Residential mortgages (first-time buyers, home movers, remortgages)
• Buy-to-let mortgages
• Mortgage protection insurance
• Buildings and contents insurance
• Life insurance and critical illness cover

Our Fees

We aim to be transparent about our fees. For detailed information about our charges, please visit our Fees page or contact us directly. In some cases, we may receive commission from product providers, which will be disclosed to you before proceeding.

Your Responsibilities

As a client, you are responsible for:

• Providing accurate and complete information about your circumstances
• Informing us of any changes to your situation that may affect your mortgage application
• Making timely payments on any mortgage or insurance products you take out
• Reading and understanding all documentation provided to you
• Seeking clarification on any matters you do not understand

Data Protection & Privacy

We take your privacy seriously and are committed to protecting your personal data. For full details on how we collect, use, and protect your information, please review our Privacy Policy.

Treating Customers Fairly (TCF)

We are committed to the Financial Conduct Authority principle of Treating Customers Fairly. This means we:

• Provide clear, compliant, and jargon-free information
• Ensure our staff are thoroughly trained on all products they advise on
• Offer advice that is suitable for your individual circumstances
• Keep detailed records of all interactions and recommendations
• Respond promptly to queries and concerns
• Handle complaints fairly and impartially

For more information about our commitment to customer care, please visit our Customer Care page.

Complaints Procedure

We strive to provide excellent service at all times. However, if you are unhappy with any aspect of our service, we want to hear from you so we can put things right.

Step 1: Contact Us

If you have a complaint, please contact us as soon as possible:

We will acknowledge your complaint within 5 business days and aim to provide a full response within 8 weeks.

Step 2: Escalation to The Openwork Partnership

If you are not satisfied with our response, you can refer your complaint to The Openwork Partnership:

Step 3: Financial Ombudsman Service

If your complaint is still not resolved, you have the right to refer the matter to the Financial Ombudsman Service:

Important: You must refer your complaint to the Financial Ombudsman Service within 6 months of receiving our final response.

Financial Services Compensation Scheme (FSCS)

We are 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. Most types of investment business are covered for 100% of the first £85,000.

For more information about the FSCS, please visit www.fscs.org.uk or call 0800 678 1100.

Website Terms

By using the aFinancial website, you agree to the following:

• The information on this website is for UK residents only
• We make every effort to ensure information is accurate, but cannot guarantee it
• External links are provided for convenience - we accept no responsibility for their content
• Calculators are for illustrative purposes only and do not constitute financial advice
• We reserve the right to change website content without notice

Professional Standards

We are bound by the Financial Conduct Authority's rules and regulations. You can check our registration and that of The Openwork Partnership on the FCA register at register.fca.org.uk.

Changes to Terms

We may update these terms from time to time. The current version will always be available on this page, with the approval date shown at the bottom.

Contact Us

If you have any questions about these terms and conditions, please don't hesitate to get in touch: