Risk Warnings & Important Information:

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Not all forms of mortgage are regulated by the Financial Services Authority (FSA). Buy to let Mortgage products i.e. where the mortgagor or relatives will not reside in the property in the present or future, and will not be afforded any protection by the FSA

If consolidating debt, initial savings may be achieved by re-arrangement of existing loans, which may result in extending the term of the loan and in turn increase the total cost in certain circumstances.

Risk Warning for Lifetime mortgages: This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

In the event of 'Offshore' mortgages and 'Foreign Currency Mortgages' changes in the exchange rate may increase the sterling equivalent of your debt.

While every care is taken to ensure that the information provided is correct, all information is provided in utmost good faith. If you require further clarification on any aspect please e-mail us. We cannot assure total security of data disclosed due to circumstances beyond our control.

Mortgages are subject to status and full valuation. Written illustrations are available on request. Borrowers must be 18 or over unless otherwise stated.

Independent Financial Services (GB), 63 Meadway, Rochdale, Lancashire OL11 3NP. E-mail address: info@ifs.gb.com is authorised and regulated by the Financial Services Authority (FSA) in respect of advising and arranging mortgage and non-investment insurance business. Our FSA Register number is 300740. You can check this on the FSA's Register by visiting FSA's website www.fsa.gov.uk/register/ or contacting the FSA on 0845 606 1234. www.emortgagebroker.co.uk is a trading style of Independent Financial Services (GB)

There may be a fee for mortgage advice and non adviced transactions. The precise amount will depend upon your circumstances but we estimate to be 0.5% of the advance (typical example on a loan of £100,000 this will be £500 fee)

The term 'Site for UK Residents Only': The guidance and/ or advice contained within the website is subject to the UK regulatory regime, and is therefore primarily targeted at customers based in the UK

By contacting us for FSA regulated products you are not under any obligation to proceed, it our aim that you find the best mortgage (or insurance product) and that meets your needs and circumstances. The overall cost for comparison is 7.32% APR. The actual rate payable will depend on your circumstances. Ask for a personalised illustration.

Independent Financial Services (GB) offer 'independent' advice or guidance and can offer mortgage and insurance products from the 'wholemarket' and we offer an option where a fee can be paid, and any commission payments from providers may be rebated written illustrations available upon request.

For any client to contact Independent Financial Services (GB) is on the basis the terms of business have been read and agreed, & consent contact to be made.

For security and training purposes, telephone calls may be recorded or monitored

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