The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.

Britannia Building Society, Britannia House, Leek, Staffordshire Moorlands, ST13 5RG is authorised and regulated by the Financial Services Authority. Our FSA Register number is 104879.

Our permitted business is advising, arranging and administering mortgages.

You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.

If you wish to register a complaint, please contact us:

...in writing	Write to Customer Service Department, Britannia Building Society, Britannia House, Leek, Staffordshire Moorlands, ST13 5RG.
...by phone	Telephone 01538 391744.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.

Further information about the compensation scheme arrangements is available from the FSCS.