1. Who Are We?

Access Financial Services Limited is registered in England under company number 04427489. Our office address is Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN. We are authorised and regulated by the Financial Conduct Authority under Firm Reference Number 301173.

2. Our Data Protection Obligations

Under the General Data Protection Regulation (GDPR) and the Data Protection Act 2018, we are required to give you certain information about how your personal information is used. This Privacy Notice sets out how any personal information we collect from you will be processed by us.

3. What Personal Data Do We Collect?

Your Personal Data may include:

• Name, date of birth, gender, nationality, marital status, contact details and address
• Employment and remuneration information
• Bank account details, tax information, credit history, sources of income and expenditure
• If you have parental responsibility for children under 13, we may record information relating to those children

We may also automatically collect technical information when you use our services, including IP address, browser type, geographic location and operating system.

4. Special Category Data

Certain types of personal data require additional protection under data protection legislation, including: racial or ethnic origin, political opinions, religious beliefs, trade union membership, genetic data, biometric data, health, sex life and sexual orientation. We require your explicit consent to process Special Category Data.

5. Why Do We Collect Your Information?

We use your personal information to:

• Provide you with mortgage and protection advice and services
• Retain records to defend potential legal claims and comply with regulatory obligations
• Provide you with details of products and services that may be of interest to you

6. How Do We Protect Your Data?

We have strict safeguarding processes to meet our obligations under the Data Protection Regulations 2018. Your Personal Data will be retained for a minimum of six years, or indefinitely where we have a regulatory or legal obligation to do so.

7. Your Rights

• Right of access — we will provide a copy of your personal data within 30 days of request
• Right to rectification — you may ask us to correct inaccurate or incomplete data
• Right to erasure — you may request deletion of your personal data
• Right to data portability — you can ask us to transfer your data to another controller

8. Who Do We Share Your Data With?

We only share your data with third parties when necessary for the service you have requested, or where required by law. These include lenders, insurers, credit reference agencies, regulatory bodies and government agencies.

9. Contact Us

If you have any questions or wish to exercise your rights, please contact: Karl Wilkinson by email at karl.wilkinson@accessfs.co.uk, by telephone on 0800 999 3939, or by writing to Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN.

If you have concerns about how we have handled your data, you may lodge a complaint with the ICO at ico.org.uk or by writing to: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

This document is designed in accordance with FCA requirements to clearly explain the services you are being offered and how you will pay for it.

1. Whose Products Do We Offer?

Insurance

We offer products from a range of insurers for Protection and General Insurance.

First Charge Mortgages

We offer first charge mortgages from the whole of market, but not deals that you can only obtain by going direct to a lender. We offer products for personal and business purposes.

Second Charge Mortgages

We offer a comprehensive range of second charge mortgages from across the market, but not deals available only by going direct to a lender.

2. Which Service Will We Provide?

Insurance

We will advise and make a recommendation for you after we have assessed your needs for Life Assurance, Income Protection and Buildings/Contents.

First & Second Charge Mortgages

We offer an Advised Sales service — we will provide advice and make a recommendation tailored to your specific needs and circumstances.

3. What Will You Pay Us?

Mortgages

We will retain commission from the lender. Our initial consultation is FREE. Our fees vary depending on the complexity of the case and loan amount — normally between £495 and £1,495 — payable on receipt of mortgage offer or on completion of the mortgage. We will confirm your fee prior to submitting your application.

Refund of Fees

If we charge you a fee and your mortgage does not go ahead, you will receive no refund.

Insurance

We will retain commission from the insurer. You will receive a quotation which will detail any other fees relating to any insurance policy.

4. Who Regulates Us?

Access Financial Services is authorised and regulated by the Financial Conduct Authority. FCA Register number 301173. You can check this on the Financial Services Register at register.fca.org.uk or by contacting the FCA on 0800 111 6768.

5. What to Do If You Have a Complaint

Please contact us in writing, by email or by phone:
Access Financial Services Limited
Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN
Email: info@accessfs.co.uk · Phone: 0800 999 3939

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

6. Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. Insurance advising and arranging is covered for 90% of the claim with no upper limit. For compulsory classes of insurance, coverage is 100% with no upper limit. Mortgage advising and arranging is covered up to a maximum limit of £85,000.

This document is designed in accordance with FCA requirements to clearly explain the services you are being offered and how you will pay for it.

1. Whose Products Do We Offer?

We offer Buy to Let mortgage contracts from across the market. However, we are unable to offer some contracts that are only available by going direct to the lender. We offer advice on both first and second charge loans.

2. Which Service Will We Provide?

We offer an Advised Sales service for Buy to Let Mortgages and Second Charges. This means we will provide advice and make a recommendation for you in relation to your specific needs and circumstances.

3. What Will You Pay Us?

Your initial consultation is FREE. Once we have established we can help you and you decide to proceed, a fee is payable prior to any further action.

Our typical broker fee is £750 to £1,495 payable on issue of the Mortgage Offer or on completion of the mortgage. The fee is dependent on the complexity of the case. In the case of a Second Charge, we will charge a broker fee of 1% of the total loan value.

On completion of your mortgage we will also be paid a procuration fee from the lender, which will be disclosed to you within the quotation.

Refund of Fees

If we charge you a broker fee and your mortgage does not complete, you will receive no refund.

4. Who Regulates Us?

Access Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) No 301173. Please note that the FCA does not regulate certain types of Buy to Let Mortgage and as such will not be covered under the Financial Services Compensation Scheme. You can check this on the Financial Services Register at register.fca.org.uk or by contacting the FCA on 0800 111 6768.

5. Consumer Buy to Let

A Buy to Let Mortgage will usually be treated as a Consumer Buy to Let mortgage (CBTL) if you, or a close relative, have at any point lived in the property. The following would be deemed a Buy to Let mortgage by way of business and would NOT be regulated by the FCA:

• A new property being purchased with the sole objective of being let
• An existing property that neither you, nor a close relative, have previously resided in
• An existing property previously resided in, but you own another property which is let subject to a rental agreement

6. What to Do If You Have a Complaint

Access Financial Services Limited
Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN
Email: info@accessfs.co.uk · Phone: 0800 999 3939

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Please note the Financial Ombudsman Service will not consider complaints in respect of Buy to Let mortgages defined as entered into by way of business.

7. Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS and you may be entitled to compensation from the scheme if we cannot meet our obligations. Our Buy to Let Mortgage services are not covered by the FSCS, except where they are regulated by the FCA.

1. Acceptance of Terms

By accessing or using TMG Hub at hub.themortgagegeezer.co.uk (the "Hub"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Hub.

2. Ownership & Intellectual Property

TMG Hub — including its concept, design, source code, user interface, written content, calculators, tools, guides, glossary, branding, colour scheme and all other materials — is the exclusive intellectual property of Darryl Dhoffer trading as The Mortgage Geezer, a trading style of Access Financial Services Limited.

All content is protected under the Copyright, Designs and Patents Act 1988. Copyright © 2026 The Mortgage Geezer. All rights reserved.

The name "The Mortgage Geezer" and associated branding are proprietary trade marks of Darryl Dhoffer / Access Financial Services Limited.

3. Permitted Use

You may use TMG Hub solely for your own personal, non-commercial purposes to:

• Use the calculators and tools to estimate mortgage-related figures
• Read the guides and educational content
• Contact Darryl Dhoffer for mortgage advice

4. Prohibited Activities

You must not, without prior written consent from Darryl Dhoffer:

• Copy, reproduce, distribute or republish any part of this Hub
• Adapt, modify or create derivative works based on the Hub's concept, design or content
• Reverse engineer, decompile or extract the source code
• Use the Hub's design, layout or structure as a template for any other website or application
• Reproduce any of the written guides, glossary terms, calculator logic or tool concepts
• Use the name "The Mortgage Geezer" or any confusingly similar name in trade
• Frame or embed this Hub within another website without permission
• Use any automated tools to scrape, harvest or extract content from the Hub

5. Calculator Results — No Financial Advice

All calculator and tool results are estimates only and are provided for illustrative purposes. They do not constitute financial advice. Results are based on the information you input and are subject to change.

You should always seek independent financial advice before making any mortgage or financial decision. Darryl Dhoffer is authorised and regulated by the Financial Conduct Authority (FCA No. 301173) to provide regulated mortgage advice.

6. Accuracy of Information

While every effort is made to ensure the accuracy of information on this Hub — including market snapshot rates, glossary definitions and guide content — no warranty is given as to its accuracy or completeness. Rates and market data are updated weekly and are indicative only.

7. Links to Third-Party Sites

TMG Hub contains links to third-party websites including Calendly, Rightmove, Zoopla, CheckMyFile and others. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them.

8. Data & Privacy

Any personal data you submit through this Hub — including through the rate alert or lead magnet forms — is handled in accordance with our Privacy Notice, available in the footer of this Hub. We are registered under the Data Protection Act 2018 and comply with UK GDPR.

9. Limitation of Liability

To the fullest extent permitted by law, The Mortgage Geezer and Access Financial Services Limited shall not be liable for any direct, indirect, incidental or consequential loss arising from your use of this Hub or reliance on any calculator results or content.

10. Enforcement

Any unauthorised reproduction, copying or imitation of this Hub — in whole or in part — will be treated as copyright infringement and/or passing off, and will be pursued accordingly. We reserve the right to seek injunctive relief, damages and legal costs.

11. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to These Terms

We reserve the right to update these Terms of Use at any time. Continued use of the Hub following any changes constitutes acceptance of the updated terms.

13. Contact

For any questions regarding these Terms of Use or to request permission to use any content from this Hub, please contact:
Darryl Dhoffer · The Mortgage Geezer
✉️ darryl@themortgagegeezer.co.uk
📞 01234 237321
Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN

What Is an IVA?

An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and the people you owe money to. You make monthly payments — usually for 5 to 6 years — and at the end, any remaining debt is written off. It can only be set up by a licensed Insolvency Practitioner (IP).

Can I End My IVA Early?

Yes — the only way to exit an IVA early is to make a lump sum payment to your creditors. This is known as a Full and Final Settlement offer. If your creditors accept it, your IVA ends and any remaining debt is written off.

Common sources of lump sum funds include:

• An inheritance
• A gift from a family member or friend
• Redundancy payment
• Sale of an asset
• A windfall or lottery win

How Much Do I Need to Offer?

There is no fixed figure — it depends on your specific IVA terms and what your creditors will accept. As a general guide, the Full and Final offer is usually based on your remaining scheduled payments. Some IPs suggest offering slightly more to increase the chance of acceptance.

Important: if the lump sum comes from a family member or friend, it must be structured as a gift, not a loan. Creditors do not typically approve ending an IVA through additional borrowing.

How Does the Process Work?

• Step 1 — Contact your Insolvency Practitioner and tell them you have a lump sum available
• Step 2 — Your IP assesses the offer and advises on the right figure to propose
• Step 3 — Your IP arranges a creditor variation meeting
• Step 4 — Creditors vote on the offer — typically 75% by value of debt must agree
• Step 5 — If accepted, the lump sum is paid and your IVA is formally closed with a completion certificate

What Happens to My Credit File?

Paying your IVA off early does not remove it from your credit report early. Your IVA stays on your credit file for 6 years from the date it was approved — regardless of when you settle. However, once the IVA is marked as satisfied, lenders can see you have completed it.

What About Windfalls During My IVA?

Many IVAs include a windfall clause — any inheritance, lottery winnings or significant financial gains received during your IVA must be declared to your IP. Hiding a windfall is a serious offence. Always be transparent with your Insolvency Practitioner about any change in your financial circumstances.

What If the Offer Is Rejected?

If creditors reject the Full and Final offer, you simply continue making your regular monthly IVA payments. You can make a revised offer at a later stage if your IP advises it may be accepted.

And What About Mortgages?