Initial Disclosure Document
Important information about who we are and how we may be paid.
Last updated: 15 Jul 2026
Our details
Company: Orchard Automotive
Company number: 17013640
Address: Bessemer Close
Cardiff
South Glamorgan
CF11 8DL
Telephone: 07985 256317
Email: Email us
FCA FRN: 1056454
VAT No: GB 518 7887 36
About Us
Orchard Automotive Cardiff Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 1056454. You can check this information on the Financial Services Register at the FCA website.
We act as a credit broker and not a lender.
We can introduce customers to a selected panel of lenders and finance providers. The lenders we work with may offer finance products including Hire Purchase (HP), Personal Contract Purchase (PCP), and other regulated finance agreements, subject to status and eligibility.
Our Services
We will:
- Explain the finance products available to you.
- Provide information regarding finance options offered by our panel of lenders.
- Assist you with your finance application where requested.
- Help you understand the key features, benefits, risks, and obligations associated with any finance agreement.
- We do not provide independent financial advice or recommendations. Any information provided is intended to help you make an informed decision, but the final decision regarding suitability remains your responsibility.
Finance Applications
Any finance application submitted is subject to:
- Status and affordability assessments.
- Credit reference agency checks.
- Lender underwriting criteria.
- Verification of identity and address.
Acceptance is not guaranteed and finance approval remains at the discretion of the lender.
Commission Disclosure
As a credit broker, Orchard Automotive Cardiff Ltd may receive commission from lenders when we introduce customers and a finance agreement is successfully completed.
The commission received may be:
- A fixed fee.
- A percentage of the amount borrowed.
- A combination of both.
The amount of commission received may vary between lenders.
You have the right to request information regarding the nature of any commission payable. If you would like further details, please contact us before entering into a finance agreement.
Any commission received does not generally affect the amount you pay under your finance agreement.
Our Relationship with Lenders
We work with a panel of carefully selected finance providers. We do not offer finance products from every lender in the market and cannot guarantee that the finance product offered is the cheapest or most suitable available elsewhere.
Customers are encouraged to compare finance products and conduct their own research before entering into any agreement.
Affordability
You should only enter into a finance agreement if you are confident that you can comfortably meet the repayments throughout the term of the agreement.
Missing payments may:
- Affect your credit rating.
- Result in additional charges.
- Lead to repossession of the vehicle.
- Make obtaining future credit more difficult.
Vehicle Finance Explained
Before signing any agreement, customers should ensure they fully understand:
- The total amount payable.
- The duration of the agreement.
- Any balloon or optional final payment.
- Interest rates and charges.
- Early settlement provisions.
- Mileage restrictions where applicable.
- Excess wear and tear charges where applicable.
If anything is unclear, please ask before signing.
Consumer Duty
Orchard Automotive Cardiff Ltd is committed to complying with the FCA Consumer Duty requirements by acting honestly, fairly, and professionally in the best interests of our customers.
We aim to:
- Deliver good customer outcomes.
- Provide clear and understandable information.
- Support customers throughout the purchasing and finance process.
- Treat all customers fairly and consistently.
Vulnerable Customers
We are committed to supporting vulnerable customers and will make reasonable adjustments where appropriate.
If you believe you require additional support during any part of the vehicle purchase or finance process, please inform a member of our team.
Data Protection
We process personal data in accordance with applicable UK data protection legislation, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
Your information may be shared with:
- Finance providers.
- Credit reference agencies.
- Fraud prevention agencies.
- Regulatory authorities where required.
- Further information can be found in our Privacy Policy.
Contact Information
For any questions regarding our finance services, please contact:
Orchard Automotive Cardiff Ltd
Email: sales@orchardautomotive.co.uk
Orchard Automotive Cardiff Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 1056454. You can check this information on the Financial Services Register at the FCA website.
We act as a credit broker and not a lender.
We can introduce customers to a selected panel of lenders and finance providers. The lenders we work with may offer finance products including Hire Purchase (HP), Personal Contract Purchase (PCP), and other regulated finance agreements, subject to status and eligibility.
Our Services
We will:
- Explain the finance products available to you.
- Provide information regarding finance options offered by our panel of lenders.
- Assist you with your finance application where requested.
- Help you understand the key features, benefits, risks, and obligations associated with any finance agreement.
- We do not provide independent financial advice or recommendations. Any information provided is intended to help you make an informed decision, but the final decision regarding suitability remains your responsibility.
Finance Applications
Any finance application submitted is subject to:
- Status and affordability assessments.
- Credit reference agency checks.
- Lender underwriting criteria.
- Verification of identity and address.
Acceptance is not guaranteed and finance approval remains at the discretion of the lender.
Commission Disclosure
As a credit broker, Orchard Automotive Cardiff Ltd may receive commission from lenders when we introduce customers and a finance agreement is successfully completed.
The commission received may be:
- A fixed fee.
- A percentage of the amount borrowed.
- A combination of both.
The amount of commission received may vary between lenders.
You have the right to request information regarding the nature of any commission payable. If you would like further details, please contact us before entering into a finance agreement.
Any commission received does not generally affect the amount you pay under your finance agreement.
Our Relationship with Lenders
We work with a panel of carefully selected finance providers. We do not offer finance products from every lender in the market and cannot guarantee that the finance product offered is the cheapest or most suitable available elsewhere.
Customers are encouraged to compare finance products and conduct their own research before entering into any agreement.
Affordability
You should only enter into a finance agreement if you are confident that you can comfortably meet the repayments throughout the term of the agreement.
Missing payments may:
- Affect your credit rating.
- Result in additional charges.
- Lead to repossession of the vehicle.
- Make obtaining future credit more difficult.
Vehicle Finance Explained
Before signing any agreement, customers should ensure they fully understand:
- The total amount payable.
- The duration of the agreement.
- Any balloon or optional final payment.
- Interest rates and charges.
- Early settlement provisions.
- Mileage restrictions where applicable.
- Excess wear and tear charges where applicable.
If anything is unclear, please ask before signing.
Consumer Duty
Orchard Automotive Cardiff Ltd is committed to complying with the FCA Consumer Duty requirements by acting honestly, fairly, and professionally in the best interests of our customers.
We aim to:
- Deliver good customer outcomes.
- Provide clear and understandable information.
- Support customers throughout the purchasing and finance process.
- Treat all customers fairly and consistently.
Vulnerable Customers
We are committed to supporting vulnerable customers and will make reasonable adjustments where appropriate.
If you believe you require additional support during any part of the vehicle purchase or finance process, please inform a member of our team.
Data Protection
We process personal data in accordance with applicable UK data protection legislation, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
Your information may be shared with:
- Finance providers.
- Credit reference agencies.
- Fraud prevention agencies.
- Regulatory authorities where required.
- Further information can be found in our Privacy Policy.
Contact Information
For any questions regarding our finance services, please contact:
Orchard Automotive Cardiff Ltd
Email: sales@orchardautomotive.co.uk