Initial Disclosure

⚠ Draft for review — confirm this reflects your current lender panel and commission arrangements before launch.

Who we are

MT Retail UK Limited, trading as North West Car Group. Registered in England & Wales, company number 14425932. Registered office: Blackpool Road, Kirkham, Preston, Lancashire, PR4 2RE. Authorised and regulated by the Financial Conduct Authority, firm reference number 954552. We are a credit broker, not a lender.

The service we provide

We are a credit broker, not a lender. We work with a panel of lenders and will introduce your application to the lender(s) we consider most appropriate for your circumstances. We do not provide advice or recommendations; we will give you the information you need to make your own choice.

What you will pay us

You will not pay us a fee for arranging finance. We may receive a commission from the lender for introducing you. The commission may vary by lender and product and does not affect the amount you pay under your agreement. You may request details of any commission we will receive at any time.

Your eligibility check

Checking your eligibility uses a soft credit search which does not affect your credit score and is not visible to other lenders. A full application to a lender will involve a hard credit search, which will be visible to other lenders — we will make it clear before that happens.

If things go wrong

We are covered by the Financial Ombudsman Service. See our complaints page for how to raise a concern and how to escalate it.