I/we understand and agree to the terms and conditions and information outlined in this document and I/we wish to proceed with instructing Mr Michael Gaffney of Opto Business to assist me/us with my/our mortgage or loan and/or insurance or other service requirements.
I/we understand that when Opto Business approach a lender on my behalf for an application or a decision in principle that the lender may undertake a credit search. I/we agree and understand that the credit search will be performed to determine my/our credit worthiness for any loan and that the details of this search will form a permanent part of my/or credit record. I/we also understand that repeated searches of this nature can have an adverse effect on my/our credit record.
In respect of the fees payable for mortgage/loan advice as detailed in this document, I/we give my/our authority for the payment to be made to the lender using the supplied credit/debit card details when the payments fall due, and I/we understand the fees once paid are not refundable.
I/we give our authority for Opto Business to provide progress updates to the person or company that introduced us to you if applicable, or to the Estate/Property Agent who is selling the property.
If for any reason Opto Business offer fee is not paid before completion of the loan, I/we give my/our irrevocable authority for our solicitor to deduct the fee from the completion funds and forward this directly to Opto Business
I/we understand as part of the underwriting process, the mortgage or loan provider, our Network Connect IFA Ltd and/or Opto Business may need to Contact third party institutions such as your current or previous employers, mortgage providers, accountants, banks and HMRC to confirm the completeness and accuracy of any information supplied in relation to my/our mortgage application. I/we understand and authorise such enquiries.
| Applicants name | Signature | Date |
| x | x | |
| x | x |
| Consent to Marketing |
Opto Business would like to keep in touch with you from time to time to keep you abreast of the market and to tell you about products and services that maybe of interest to you. We would like to take particular care to ensure that any marketing or promotional information that we may send to you, is done so with your prior, express permission.
Please read this in conjunction with our privacy notice which has been attached to this notice.
If you do not indicate your agreement for us to make contact with you, please be aware we may be unable to provide you with details of products and/or services that may suit your needs and circumstances.
Please keep in touch with me in the following ways:
¨ All of the below
¨ Phone
¨ SMS text messaging
¨ Instant messaging (e.g. Skype, WhatsApp etc.)
¨ Post
Please update me about the following subjects:
¨ All of the below
¨ Investment Mortgages (Buy to let)
¨ Residential Mortgages
¨ Commercial and Business Loans
¨ General market updates
I/we consent to marketing in the ways indicated above and I understand I may withdraw my consent at any time.
| Applicants name | Signature | Date |
| x | x | |
| x | x |
You may withdraw your consent at any time by contacting us at enquiries@optobusiness.co.uk . 01372 276 631.