Initial Disclosure Document

Who are we?
Highland Vehicles Ltd T/A HV Motor Finance is an independent vehicle finance broker, not a lender, authorised and regulated by the Financial Conduct Authority.  Our Financial Conduct Authority Firm Reference Number is 674042.  You can check this by visiting or by contacting the Financial Conduct Authority on 0800 111 6768.

What do we Offer?
We offer a range of vehicle finance facilities through a limited number of selected third party lenders.

What Services will we provide you with?
We will provide you with either comparable details of firms most appropriate to your lending requirements or general information relating the finance products we offer.  In assessing your requirements we may seek information about your personal circumstances and objectives as might be relevant in order for us to identify your needs.  We will present this information to you in a ‘Demands and Needs’ statement to clarify our understanding of your needs and to ensure you are clear about the products being presented.  It is important that at this stage you provide us with relevant and accurate information so that we can provide products that meet your needs.

What do we charge for our Services?
We may receive a commission or other benefits from one of our finance providers should you decide to enter into an agreement with them as a result of our introduction or, from another credit broker to whom we refer you should we be unable to arrange funding for you. This is reflected in the monthly lease rate that you pay for your vehicle. The amount of commission received may vary depending on the funder selected, the terms of the funding and other criteria, such as achieving high levels of customer service. Some funders may also pay us an additional commission based on business volumes.

Confidentiality and Data Protection
Throughout the process of obtaining finance for your vehicle agreement we will need to collect personal information from you and pass this information onto one or more third party lenders to enable them to make a credit decision. We will not disclose your personal details outside of this group of lenders.  We are under obligation from the Data Protection Commissioner to ensure that all personal data is kept securely and only use for the purpose which it was initially intended (see our Data Protection Policy).

What to do if you have a complaint?
We are committed to a high level of customer service and customer satisfaction and adhere to our Treating Customers Fairly Policy.  If however you wish to register a complaint please follow our complaints procedure which is detailed here.