Initial Disclosure Document

The Financial Conduct Authority (FCA) is the independent regulator of financial services.

The Financial Conduct Authority require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, how we are renumerated, who regulates us and what to do if you have a complaint.

What services do we provide?

We will provide you with either, comparable details of firms most appropriate to your requirements, or general information relating to finance products. In assessing your requirements we may seek information about your personal circumstances and objectives that may be relevant for us to identify your needs. It is important that you provide us with accurate and relevant information.

You will not provide financial advice, but we may ask questions to narrow down the selection of firms offered, from which you can more easily make your choice of firm to finance your vehicle.

Whose products do we use?

As a Financial Conduct Authority regulated credit broker we can introduce you to a range of lenders who may be able to help you finance your vehicle and provide other products and services such as vehicle maintenance.

Do we charge for our services?

We charge an administration/processing fee of £270.00 including VAT for our credit broking and vehicle sourcing services.

We are a commission and fee-based organisation which means that we are likely to receive payment(s) or other benefits from lenders and/or vehicle providers, should you decide to enter into an agreement with them. These payments may be variable or pre-set depending on the lender and/or the product and may affect the amounts payable by you under your finance agreement.

Commission Disclosure

If you would like us to disclose any potential commission we will earn please make your request by email to or by telephone to 01494 424242.

Who regulates us?

DreamLease is authorised and regulated by the Financial Conduct Authority. Our firm reference number is 673761. 

You can verify this on the Financial Conduct Authority's Register by visiting the Financial Conduct Authority's website: or by contacting them on 0300 500 8082.

Please note that DreamLease is a credit broker and not a lender.

Other services we offer may not be regulated by the Financial Conduct Authority, however, the Financial Ombudsman Services has now been extended to handle some complaints under the Consumer Credit Act.

If you have a complaint

Please visit our complaints procedure page.