Joseph Sutton Motor Company Limited, 35, High Brooms Road, Tunbridge Wells, TN49DA
Open: Mon - Sat, 9am to 5pm
01892883113

Commission Disclosure

Commission Disclosure Document

Joseph Sutton Motor Company Limited
35 High Brooms Road,
Royal Tunbridge Wells,
Kent, TN4 9DA

About This Document

This document provides you, our valued customer, with information about commissions Joseph Sutton Motor Company Limited may earn when arranging finance or other third-party services as part of your vehicle purchase. This ensures complete transparency and helps you make an informed decision.

Our Role

Joseph Sutton Motor Company Limited acts as a credit broker and not a lender. We work with a carefully selected panel of finance providers and warranty companies to offer services that meet your needs. We may receive a commission for introducing you to one of these providers.

What is a Commission?

A commission is a fixed fee or percentage payment that we receive from the finance or warranty provider when you enter into an agreement arranged through us. This payment is made by the provider and is not an additional cost to you.

When Do We Receive a Commission?

We may receive a commission in the following circumstances:

  • When you take out a finance agreement arranged through us.
  • When you purchase an extended warranty, and the warranty is financed directly with the warranty provider.

Our Process for Finance Applications

To ensure we provide you with the best finance deal available, we often work with a finance broker who can search the market on your behalf. This process may take longer than applying directly to a single lender.

If your application is declined by one lender, we will submit your application to another lender in our panel to try to secure a deal that meets your needs.

If you are in a hurry and wish to take your car on the same day as making a finance application, we can apply directly to a single lender instead of going through a broker. However, this means the deal offered may not be the best available on the market. In such cases, you will need to sign a disclaimer confirming your agreement to proceed with a single lender.

How Does This Affect Your Decision?

Our goal is to ensure you receive products and services that meet your needs, regardless of the commission we earn. We will always provide you with clear, impartial advice to help you make the best decision for your circumstances.

Joseph Sutton Motor Company Limited are authorised and regulated by the Financial Conduct Authority. FCA number751604. We are a credit broker and not a lender. Finance subject to status. Terms and conditions apply. A guarantee may be required. Over 18s only.
 

PLEASE ENSURE YOU CAN AFFORD THE REPAYMENTS FOR THE DURATION OF A LOAN BEFORE ENTERING INTO A CREDIT AGREEMENT.

We can introduce you to a limited number of lenders and their finance products which may have different interest rates and charges. We are not an independent financial advisor. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation.

We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow).

The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from a lender does not influence the amount that you pay to that lender under your credit agreement.