Initial Disclosure Document (IDD)

Who are we?

KT Green Limited
Leeds/ Otley Road, Pool in Wharfedale, Leeds, West Yorkshire, LS21 3DA
Tel: 01132 843535
Email: [email protected]
Website: https://www.ktgreen.co.uk/

Who regulates us?

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services.
KT Green Limited is authorised and regulated by the Financial Conduct Authority, for credit brokerage. FCA number: 654462.
We are a credit broker and not a lender.
You can check this information at: https://www.fca.org.uk/
Use this information to decide if our services are right for you.

What will you have to pay us for our services?

We will receive a commission from the lender, as either a fixed fee or a fixed percentage on the amount you borrow. These arrangements are negotiated with our lenders in advance and do not give us any discretion to negotiate or adjust your annual percentage rate (APR) or any other item included in the total charge for credit. The APR may vary according to your credit status or the amount you borrow. The commission we earn does not change in relation to the type of finance (Hire Purchase, Personal Loan or Personal Contract Purchase) you choose or the length of the finance agreement.

The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from the lender is predetermined and cannot be changed for your agreement.

We will confirm the likely amount of commission we will receive for arranging your finance agreement in good time, before you sign the finance agreement.

We do not charge you a fee for our services, but the commission we receive from the lender impacts the amount you pay.

Which service will we provide for you?

We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase (Written Quotation available upon request). Each credit provider may have different interest rates and charges.

We are only able to offer finance products from these providers, which may be suitable for you, and we will explain the key features of your chosen product to you. As a credit broker with a limited panel of preferred credit providers from whom we receive commission, KT Green Limited is not impartial and is free to prefer its own interests.

In line with our regulatory requirements, we will try to get you the finance arrangement you were quoted from our limited panel of credit providers or a suitable alternative offer and the commission we receive will never be our primary decision of which lender to place you with.

However, we may be influenced by the amount of commission we earn, this means you should not think we are giving financial advice or a recommendation to you. Depending on your circumstances you may be able to negotiate a better or different finance arrangement if you shop around.

We are NOT independent financial advisors. We will provide details of the products available from the credit providers that we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you.

All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over.

Our Insurance Services

We do not offer any insurance products.

What to do if you have a complaint

To register a complaint contact us by either:
Email: [email protected]
Telephone: 01132 843535
Post: Leeds/ Otley Road, Pool in Wharfedale, Leeds, West Yorkshire, LS21 3DA

Complaints Procedure

How we handle your complaint

KT Green Limited is committed to providing high quality services to all our customers. However, we appreciate we may not always get it right. If a problem occurs, we strive to address complaints promptly and effectively.

Contact us

When and how you will hear from us

If we can resolve your complaint within 3 working days, we will send you written confirmation (summary resolution letter). If not, we will acknowledge your complaint in writing and investigate fully.

We will provide updates and aim to issue a final response within 8 weeks. The final response will:

  • Explain the outcome of the investigation
  • Detail any actions we will take to resolve the issue
  • Explain why we disagree if applicable

Commission-related complaints

The FCA is reviewing handling rules for complaints about motor finance agreements involving discretionary and non-discretionary commission arrangements. This may delay final responses until the FCA concludes its review (expected 4th December 2025).

More information:

Referring your complaint

If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service (FOS):

Website: www.financial-ombudsman.org.uk
Phone: 0800 023 4567 or 0300 123 9 123
Email: [email protected]
Address: Financial Ombudsman Service, Exchange Tower, London E14 9SR

Complaints must be referred within 6 months of our final response.

SAF & FCA Approval Status

KT Green Limited is authorised and regulated by the Financial Conduct Authority for credit brokerage, firm reference number 654462. We are also SAF Approved.

What is SAF?

Specialist Automotive Finance (SAF) provides knowledge-based motor finance learning to improve professionalism and consumer confidence.

SAF Expert covers:

  • Finance structures
  • Finance products
  • Interest rates
  • Consumer credit and FCA regulation
  • Promoting and selling motor finance
  • General legislation (unfair trading, data protection, AML)

A copy of our SAF Approval certificate is available upon request.

K T Green Limited