About Us
A small dedicated team of Edinburgh based Whole of Market, Multi-Tied and Mortgage Only Advisers who work to develop long term relationships with our clients.
We ensure our clients financial requirements are catered for throughout the different phases of life by developing close personal relationships, applying our knowledge and professionalism to every aspect of finance, however small.
How we work
When we first meet, we will usually start off by discussing your aims and needs in general before going on to conduct a thorough financial review.
Following our review, we will take time to consider your situation and needs in detail, before writing a full report of our conclusions and presenting it to you at a subsequent meeting.
We will then discuss our conclusions and recommendations with you, before agreeing the priorities, what should be done and when.
Committed to Treating Our Customers Fairly
At Kerr Thomson Financial Services, we are committed to offering our customers the highest possible standards of service. In doing so we are pleased to support the Financial Services Authority initiative 'Treating Customers Fairly'.
We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in all aspects of our dealings with you.
Our commitment to you
We will:
-provide you with clear information about the products and services we offer, including fees and charges
-ascertain your individual needs, preferences and circumstances before recommending a financial product
-only recommend a financial product that we consider suitable for you and that you can afford - and always the most suitable from the available options
-not recommend a financial product if we can't find one we consider suitable
-encourage you to ask if there is something you don't understand
-give you access to a formal complaints procedure should you become unhappy with our service
How you can help us
To help us give you the most appropriate advice, we will ask you to:
-tell us as much as possible about your financial circumstances, including income & outgoings and assets & liabilities, to enable us to properly assess how much you can afford
-let us know about changes that might affect your ability to repay a mortgage or other debt or maintain premiums on any financial product
let us know if there is any aspect of our service, or of a product we have discussed or recommended that you don't understand
-tell us if you think there are ways we can improve our service
Thank you for choosing Kerr Thomson Financial Services
Your home may be repossessed if you do not keep up repayments on your mortgage.
You can choose how we are paid for mortgages: pay a fee, usually £250.00 plus 0.4% of the loan amount, or we can accept a combination of a fee, usually £250.00 plus commission from the lender.
For protection we usually offer products from a selected panel of providers.