Our Company Ethos
Let's talk a little about our Company Ethos to give you an idea of what we stand for and the kind of standards you can expect from us.
Shire Direct has a clearly defined set of values and these are embedded within all the activities we perform. We are very proud of our values, and our modus operandi is designed to ensure that our standards are complied with, and that our customers are treated fairly at all times. Let's take a look at some of these values that help form our company ethos...
- We are Customer focused
Our philosophy is to work closely with our customers and to help them achieve their goals and objectives. We are committed to recognising and understanding our customers' needs and aspirations, in order to provide tailor-made solutions for the fast-changing market demands and constraints. There is one focus that underlies all the decisions we make, and that is to provide our customers with consistently high standards of advice and service.
- We are a "People" business
We recognise the two most important assets of our business are both "People", and these are:
- Firstly, our customers, the people we serve, and
- Secondly, our staff, the people who we work with
- Pride
We are proud of the company we work for, and take great pride in the work we undertake on behalf of our customers. We are proud of our professional reputation and of the quality of our knowledge and skills.
- Integrity
We conduct our business with the utmost integrity in all we do. We also ensure that all our dealings are conducted with due skill, care and diligence.
- Dependability
We pride ourselves on our professional standards and judgement, and our customers are safe in the knowledge that they can depend and rely on our expert advice and recommendations.
- Clarity of Communications
Customer care and communications are very important to us. Our aim is to provide clear communications to our customers both in our marketing, as well as in our individual dealings both in the written word and verbally. We always confirm our advice and recommendations clearly, in a language that can be understood.
Many of the aspects relating to the provision of financial services products are inevitably complex, as are some of the situations that are facing our customers. The individual and personal attention we provide to each customer is warmly welcomed, and helps to convey complicated issues clearly, again, in a language that is understandable, even in the most complex circumstances!
- Our Mission Statement
Our mission is to help our customers achieve their financial needs and aspirations, through the provision of carefully considered individual professional advice that is derived from robust, informed and researched financial information.
By the application of our individual skills, qualifications, knowledge, expertise and practical experience, we aim to formulate the most appropriate and beneficial solution for our customers.
Mortgages/Remortgages: The overall cost for comparison is 9.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Most customers are likely to receive a lower rate or the same rate as our overall cost for comparison rate - learn more about APR.
There are no upfront broker fees.
However, a fee may be charged on successful completion. An indication is that on conforming cases (straightforward applications with no or minimal adverse credit) a fee may be charged of up to 1% of the amount advanced, typically £795 and will depend on your circumstances. For non-conforming cases (where case research and processing may be more complex due to adverse credit or unusual circumstances), a fee may be charged of up to 3% of the amount advanced, typically £1,995.
Homeowner Loans: Rates from 8.9% APR variable, but typically 13.9% APR variable. Most customers are likely to receive a lower rate or the same rate as our typical variable rate - learn more about APR. Shire Direct also has a range of non-conforming loan plans with rates up to 19.9% APR. These plans are designed to help those who may have a more difficult credit history, including CCJ's and credit arrears, IVA and bankruptcy problems.
A broker fee of between 0% and 10% of the loan advance may be charged for arranging a secured loan.
All loans subject to status and secured on property.
The actual rate available will depend upon your circumstances. Written quotations on request.
THINK CAREFULLY BEFORE
SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Adding existing debt to your mortgage will increase the repayment term and overall cost.
Shire Direct and Shire Direct Mortgages are trading styles of Shire Processing Centre Limited which is
Authorised and regulated by the Financial Services Authority in respect of regulated mortgage products and general insurances.
Registered No: 302389. Commercial funding and Secured Loans are not regulated by the FSA.
Licensed Credit Brokers. Consumer Credit Licence Number: 349999.
Shire Processing Centre Limited is registered under the provisions of the Data Protection Act by the Information Commissioners Office: Registration No: Z6795249. Registered in England & Wales. Company number: 2732202. Telephone calls may be recorded for training, monitoring and security purposes. All applicants must be aged 18-years or over.
