Regulatory Statement


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

1.2 SJ Mortgages Ltd is an appointed representative of John Charcol Ltd.

1.2    John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority.

1.3    Charcols unique financial services registration number is 665649 and is Registered in England No. 9157892. Our registered office address is St. Helen’s, 1 Undershaft, London, EC3P 3DQ.

1.4    Calls may be recorded for training and monitoring.

  1. Regulatory Status

2.1 The Financial Conduct Authority (FCA) regulates the financial services industry in the UK. Its role includes protecting consumers, keeping the industry stable, and promoting healthy competition between financial service providers.

They can be contacted at The Financial Conduct Authority, 12 Endeavour Square, London E20 1JN Tel: 020 7066 1000 or by visiting their website

2.2 John Charcol Limited is authorised and regulated by the Financial Conduct Authority.

2.3 The FCA does not regulate some investment mortgage contracts such as Buy to Lets.

  1. Our Remuneration

3.1 Our charges are based on two considerations: the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to proceed with an application.

3.2 You will receive a Key Facts Illustration or European Standardised Information Sheet (ESIS) when considering a mortgage, which will describe any fees relating to it including how and when we are remunerated by the lender.

3.3 Fees apply to all regulated and non-regulated mortgages.

3.4 Certain mortgages, primarily most business buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances.

  1. Non-investment insurance

4.1 John Charcol arranges non-investment insurance contracts

4.2 We do not provide any Insurance Policy that relies upon investment returns or require the claimant to make investments for it to achieve its purpose.

4.3 We do not normally provide plans that extend beyond the term of the mortgage or into retirement.

  1. Cancellation

5.1 Where terms are offered in respect of a “distance contract”, these are provided through a website or by phone.

5.2 Your rights to cancel your application will take effect from the date you tell us and should be put in writing, there may be non-refundable charges; please contact your broker for details.

  1. Verifying identity

We shall ask you to verify your identity at the outset and cannot apply for a mortgage or term assurance policy of other financial product until such verification has been obtained and we are satisfied.