Terms of Business

JC Mortgages Limited

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24 Millrace Rd, Phoenix Park, Racecourse, Dublin 15
01-8102032
info@jcmortgages.ie

Terms of Business of JC Mortgages Limited

JC Mortgages Limited 24 Millrace Rd, Phoenix Park, Racecourse, Dublin 15

These Terms of Business set out the basis on which JC Mortgages Limited will provide business services to you. Please take a few minutes to read through this document carefully. If there are any matters on which you require clarification, we will be happy to explain them in more detail. These terms will remain in force and shall apply to any business service provided to you now or at a future date. Should our firm change any of its business terms, we will advise you at our next meeting or in writing.

  1. Regulatory Status

    JC Mortgages Limited is authorised and regulated by the Central Bank of Ireland (Central Bank Reference Number: C466128).

    We are registered to undertake:

    • Insurance Mediation under the European Union (Insurance Distribution) Regulations 2018.

    • Mortgage Intermediary services under Section 31(10) of the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 and Section 151A (1) of the Consumer Credit Act 1995.

    Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 01 -2246000 or visit their website at www.centralbank.ie to verify our credentials.

  2. Statutory Codes & Securing Customers’ Interests
    JC Mortgages Limited is subject to the Central Bank of Ireland’s Minimum Competency Code, the Fitness and Probity Standards, and the Consumer Protection Code (including the Standards for Business Regulations 2025 and Consumer Protection Regulations 2025). These codes can be viewed on the Central Bank’s website. In accordance with these regulations, our firm is committed to securing your interests, acting with due skill, care, and diligence, and ensuring that any products recommended are suitable for your specific needs and circumstances.
  3. Services Provided

    JC Mortgages Limited offers a range of products and services including mortgages, life assurance, pensions, and investments.

    Mortgages: We provide mortgage advice and arrange mortgage products from the selection of lenders with whom we hold an agency. Our range includes fixed-rate loans, variable-rate mortgages, capital & interest mortgages, and interest-only mortgages. We will need to collect sufficient information from you to assess affordability before offering advice on housing loans. If a consumer chooses not to provide the information or verification necessary for an assessment of creditworthiness, the credit cannot be granted.

    Life Assurance, Pensions, and Investments: JC Mortgages Limited provides life assurance, pensions, and investment advice on a limited analysis basis. While we hold written appointments with a number of insurance undertakings, we have selected one preferred product producer, Irish Life Assurance plc, for life insurance plans (including life assurance, specified illness cover, income protection, unit-linked savings, investments, and pension plans), tracker bonds, and Personal Retirement Savings Accounts (PRSAs).

    We will exclusively assess products from Irish Life Assurance plc in the first instance. Only in the event that Irish Life Assurance plc cannot provide a product suitable to your specific needs will we research and recommend suitable alternatives available via our other agency appointments (- Zurich , New Ireland or Aviva).

  4. Remuneration and Fees

    JC Mortgages Limited may be remunerated by commission and other payments from product producers and, in certain circumstances, by fees charged directly to you.

    A summary of the details of any fee, commission, other reward or remuneration receivable by us from regulated entities is available on our website and in our office. Before concluding a contract for a financial service, we will bring this summary to your attention and provide any clarification you may request.

    Where required by applicable regulatory requirements, we will disclose separately to you, on paper or another durable medium, details of any fee, commission or other remuneration received or receivable by us in relation to a financial service. Where the amount cannot be determined in advance, we will disclose the method of calculation.

    Where we charge a direct fee for our services, the basis and amount of that fee will be agreed with you in advance and confirmed in writing. Any fee charged by JC Mortgages Limited is separate from, and is not offset against, any commission or other remuneration we may receive.

    Our standard mortgage fee structure is as follows:

    Standard Approval in Principle – Fee of €350, Once-off fee due on approval. Non-refundable. If you are not approved, no fee applies

    Self-Employed Approval in Principle – Fee €950, €500 due on approval – Non-refundable. €450 due on loan offer – Refundable if the mortgage does not proceed to drawdown

    Self Builds AIP – €1,500 payable €750 on approval €750 on loan offer

    Complex Cases € 2,000 – €750 on approval €1,250 on loan offer
    e.g., credit issues, multi-property, this is called on a called-on Case-by-Case basis.

    (Advised and agreed upon in writing prior to application)
    Note: JC Mortgages Limited will, if necessary, exercise its legal rights to receive any payments due to it from clients for business services provided.

  5. Trusted Contact Person
    In accordance with Central Bank regulations designed to protect consumers, you have the right to nominate a “Trusted Contact Person.” This is an individual we may contact in exceptional circumstances—such as if we cannot reach you for an extended period, or if we have concerns regarding suspected financial abuse or diminished capacity to make financial decisions. You are not obliged to nominate a Trusted Contact Person, and you may update or withdraw your nomination at any time upon request.
  6. Sustainability Factors (SFDR)
    When providing advice, JC Mortgages Limited does not consider the adverse impacts of investment decisions on sustainability factors. The firm will review this annually and make revisions when and if appropriate. For investment products, because we have selected Irish Life as a preferred provider, we rely on the approach taken by Irish Life Assurance plc in integrating sustainability risks into their product offering.
  7. Conflicts of Interest
    It is the policy of JC Mortgages Limited to avoid any conflict of interest when providing business services to its clients. However, where an unavoidable conflict may arise, we will advise you of this in writing before proceeding to provide any business service. If you have not been advised of any such conflict, you are entitled to assume that none arises.
  8. Regular Reviews and Ongoing Suitability
    Ongoing suitability assessments form part of our service. On an annual basis, the firm will carry out a periodic review of suitability for investment products. It is in your best interest to review the products we have arranged for you regularly. As your circumstances change, your needs will change. You must advise us of these changes and request a review so we can ensure you have up-to-date advice and products suited to your needs.
  9. Consumer Insurance Contracts Act 2019

    The Act imposes duties on both the client and product providers at the pre-contract and post-contract stages, as well as in respect of claims handling.

    • Cooling-Off Period: Life Insurance Contracts may be cancelled by giving notice in writing to us or the product provider within 30 days from the day the provider sends your plan documents. You will receive a refund for premiums due, less the cost of cover already received. Savings/Investment contracts may also be cancelled within 30 days; however, the refund will account for any fall in the investment’s value during that period.

    • Disclosure and Claims: Any contract is issued on the understanding that the information given on the application is true and complete. If you make a false or misleading claim, the provider is entitled to refuse payment, terminate the contract, and retain premiums paid. You must cooperate with the provider during claim investigations and disclose any information that would support or prejudice a claim.

    • Effect of Non-Compliance: A court of competent jurisdiction may reduce the amount of benefit paid to you if you are in breach of your duties under the Act.

  10. Default and Cancellation
    Product providers may withdraw benefits on default of payments due under any products arranged for your benefit. Details of these provisions will be included in your specific product Terms and Conditions.
  11. Complaints Procedure

    Any complaint regarding our business services should be made in writing to JC Mortgages Limited. We will:

    • Acknowledge your complaint in writing within 5 business days.

    • Fully investigate the complaint and provide regular updates at intervals not greater than 20 business days.

    • Aim to provide a full and final response no later than 40 business days from receipt.

    If we cannot resolve your complaint within 40 business days, we will write to inform you of the anticipated timeframe for resolution and explicitly notify you of your right to refer the matter to the Financial Services and Pensions Ombudsman.

    In the event that you remain dissatisfied with our handling of the complaint, you are entitled to refer it to the Financial Services and Pensions Ombudsman:

    • Address: Lincoln House, Lincoln Place, Dublin 2, D02 VH29

    • Phone: 01 567 7000 | Email:info@fspo.ie | Web:www.fspo.ie

  12. Investor Compensation Scheme

    JC Mortgages Limited is a member of the Investor Compensation Company Limited (ICCL) scheme. This provides a way of paying certain investors compensation if they suffer financial loss caused by an investment firm being unable to meet its financial obligations. In the event that a right to compensation is established, the amount payable is the lesser of 90% of your eligible loss or €20,000.

    Appendix 1: Agency Appointments

    Insurance Undertakings JC Mortgages Limited holds letters of appointment from the following product producers:

    • Irish Life Assurance plc

    • Zurick

    • Aviva

    • New Ireland

    Mortgage Lenders JC Mortgages Limited holds letters of appointment from the following lenders:

    • Permanent TSB

    • Bank of Ireland

    • Dilosk/ ICS

    • Avant

    • Nua

    • Brokers Ireland Network Services Ltd (providing access to: Banco Sabadell SA, BNP Paribas Personal Finance, Haven Mortgages).

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