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Rachael Mullan T/A Northern Mortgages is an appointed representative of PRIMIS

Mortgage Network, a trading name of First Complete Limited is authorised and

regulated by the Financial Conduct Authority.

We are committed to providing a professional service to all our customers.

If you are unhappy then we want to hear about it so we can try to put things

right. With this in mind, we have the following complaints procedure in place.

You can make a complaint by any reasonable means including telephone, letter, or


Our contact information:

  • Write to: Rachael Mullan

Northern Mortgages

243 Falls Road


BT12 6FB

If you prefer, you can also refer your complaint to PRIMIS directly using the following

contact details:

  • Write to – PRIMIS Mortgage Network, Customer Resolution Team, Ground

Floor, Birmingham Business Park, B37 7YT.

You can also complain via their website:

The same section of the website contains more information about PRIMIS’ role in

complaints handling and about how Appointed Representative relationships work.

How we will handle your complaints

Simplified Complaints

We will use this process if:

  • your complaint is about a simple matter - that we can look into and solve

                quickly and easily; and


  • you direct it to us (rather than directly to PRIMIS Mortgage Network) in the

first instance.

We will investigate your complaint and aim to resolve it within three business days

following the date of receipt. If you are happy to accept our proposed resolution, we

will send you written confirmation of our investigation.

If you cannot confirm acceptance by the end of the third working day (for example –

because you are not happy with our proposed response or if you are not available to

discuss it with us) then the case will be referred to PRIMIS Mortgage Network. It will

then be handled in line with the Formal Complaint process outlined below.

If your complaint is more complex or is unlikely to be resolved quickly then we will

usually refer it to PRIMIS straight away

Formal Complaints

The formal complaints process will be used where:

  • we can’t resolve your complaint to your satisfaction within 3 working days: or

  • your complaint is likely to involve more complex assessment or investigations;


  • you send your complaint directly to PRIMIS Mortgage Network rather than to

us in the first instance; or

  • you ask us to deal with your complaint in this way rather than via a simplified


Upon receipt PRIMIS will acknowledge your complaint promptly and will investigate it

fairly and impartially. They will write to you within 8 weeks to confirm the outcome of

their investigation.

In the unlikely event that their investigation is not complete within eight weeks of

receipt of your complaint they will write to you to explain why and let you know when

you can expect to hear from them. They will also provide details of how to contact

the Financial Ombudsman Service if you are not satisfied with progress.

The Financial Ombudsman Service

If, following PRIMIS’ investigation you are still not happy with the outcome you have

a statutory right to refer your complaint to the Financial Ombudsman Service.

It is a service free of charge to consumers and you may refer the matter to the

Financial Ombudsman Service (FOS) within six months from the date that you

received a final response to your complaint.

You can contact the service using the following details:

Telephone 0800 023 4567 



You can also visit their website and refer complaints to them online by visiting.


Let us know if you need any extra help or support.

We are committed to providing a complaints service that is accessible to all our


If you will have any difficulties with any elements of the process that is outlined

above, or if there are circumstances that might mean we need to change the way in

which we handle your complaint then please let us know when you tell us about your


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