Initial Disclosure Document
Please read the following document in addition to your pre-contract information. You should consider the
information given in all documents before signing your finance agreement.
Financing your purchase – Frequently Asked Questions
Who Are We?
Carhill Cars ltd. Company registration number – NI603073. Website:
Our registered address is 54 Carhill Road, Garvagh, Co.Derry, N.Ireland, BT515PF
What can we do to help finance your purchase?
We are authorised and regulated by the Financial Conduct Authority for credit brokerage, our FCA number is 661640.
Carhill Cars ltd is a credit broker, not a lender. We can introduce you to a limited group of carefully
selected credit providers who may be able to offer you finance for your purchase. Each credit provider
may have different interest rates and charges. We do not charge you a fee for our services.
Rates will be either fixed based on the lender or based on your credit score. Credit score-based rates are pre-set, but
are also linked to your individual credit rating. Typically, the higher your credit score, the lower the APR you will
receive from a credit provider. Fixed rates are determined by our contractual agreements and we cannot change this
We are only able to offer a range of finance products from these providers, which may be suitable for you and we will
explain the key features of these products to you. We will receive payment from the credit provider for introducing
you to them. The amount of commission received could vary by credit provider, which may be a higher amount in
relation to certain products compared with other products available. The credit providers we work with will pay
commission at different rates. However, the amount of commission that we receive does not have an effect on the
amount that you pay to the lender under your credit agreement. If you ask us we will tell you how much commission
will be received.
Can we give you independent financial advice?
We are NOT independent financial advisors and are unable to give you independent financial advice. We will provide
details of the products available from the credit providers that we work with, but no advice or recommendation will
be made. You must decide whether the finance product is right for you.
Using your personal data
Please read our Privacy Notice as your personal data you provide is being processed by the funders we use for
What can you do if you wish to complain about our services?
If you wish to make a complaint, please contact us in the first instance by writing to us at Carhill Cars Ltd, 54 Carhill
Road, BT515PF or by telephoning us on (028) 29558711. We aim to respond within 72 hours and will write to you
with our final response within 2 weeks. Should you remain dissatisfied, you may have the right to refer any
complaint to the Financial Ombudsman Service for review. Please note this service may not be available to business
Financial Conduct Authority, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
Web: Telephone: 020 7964 1000
Fax: 020 7964 1001 Email:

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