The products that we offer?

Brocar LTD acts as an independent broker. We work with a carefully selected panel of lenders to provide you with access to a range of competitive products. Upon request a full list of the lenders that we work with is available. We recognise that it is important for customers to have the choice of shopping around as there are other lenders in the market that we do not have on our panel.

Our Process

During our initial consultation we will ask a range of questions to gain an understanding of your needs. Using this information we will present a selection of products that could suit your lifestyle. In order to establish whether these products are the right fit for you we will explain the key features of the products to enable you to make an informed choice. Whilst we will not give any advice, if any information is unclear we encourage you to ask questions.

Before entering any product agreement we ask that you read the terms and conditions. If any of the terms and conditions are unclear you should seek independent financial advice.

To protect both your interest and ours if we are not satisfied that you completely understand the terms and conditions of the finance you are applying for we will not make the introduction to the lender.

What is the cost to you for our services?

There is no fee payable to Brocar LTD from you for our services.

The interest rate of your product is determined by a number of factors including the age of the car, the amount that you borrow and your credit profile. These factors may affect the commission we are paid from the lender for any deal that is written.

We will receive commission from a lender for introducing them to you. Further information regarding the commission paid to us by a lender is available upon request. Should you wish to receive this information please let us know in writing.

If your details were given to us by one of our panel of introducers they may also receive a portion of the commission received from the lender. We are not linked to any of our lending panel.

Before entering into a contract with a lender, or before if requested, you will receive Pre-Contract Credit Information for products regulated by the FCA. This will declare any other fees relating to any particular product.

Treating you Fairly

Our principal aim is to treat you fairly. To fulfil this principle we will always endeavour to:

• Conduct all of our business with integrity, skill and care
• Deal with any complaint sympathetically, efficiently and independently of the colleague to whom the complaint is directed
• Be transparent in all matters including any remuneration
• Respect confidentiality

Your Responsibilities:

In order for us to fulfil our responsibilities, you must:

• Read the documentation we give you and let us know if there is anything that is unclear or that does not represent your requirements
• Comply with the terms and conditions of any agreement we arrange for you

Who regulates us?

Brocar Limited, Regus House, Fairbourne Drive, Atterbury, Milton Keynes, MK10 90RG are regulated and authorised by the Financial Conduct Authority. Our FCA Authorisation Number is 944254.

We are authorised for full permission Credit broking with debt-adjusting and debt-counselling.

You can check this on the Financial Services Register by visiting the FCA’s website here: https://register.fca.org.uk/register or by contacting the FCA on 0800 111 6768 (freephone) or 0300 500 8082 from the UK.

Privacy, Data Protection and Confidentiality

Please find a link to our privacy policy and our complaints policy here.