We are entered on the Financial Services Register No 457945.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

The FCA want to raise consumers’ awareness of the information that is available to them we suggest that you visit the FCA’s consumer website “The Money Advice Service”.

If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Please see this link for further details.

Lifetime mortgages are complex products. To understand the features and risks, ask for a personalised illustration. Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of your investments may fall as well as rise.

The Financial Conduct Authority does not regulate taxation and trust advice.