Risk Warnings

This website aims to provide information and not act as an alternative to personal financial advice.

1. Investments

Our services relate to certain investments whose prices depend on financial market fluctuations beyond our control. Investments and their income may go down and up, and you may get back less than the amount invested. Past performance cannot be used as a reliable prediction of future performance.

2. Mortgages

The choice of interest rate and product terms will depend on your circumstances and the amount of the mortgage. Before you make a mortgage application, we will conduct a full review to establish your needs and preferences. If you meet the criteria, we will give advice and make a recommendation to you. There may be a fee for mortgage advice. All mortgages are subject to status. Please note that all products show an indicative rate only and may not be suitable for you. You must be 18 or over.

Your home may be repossessed if you do not keep up with mortgage payments.

The Financial Conduct Authority does not regulate most commercial mortgages and some buy-to-let mortgages.

3. Equity Release Mortgages

Equity release may involve a lifetime mortgage which is secured against your property, or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.

Equity release may impact the size of your estate, and it could affect your entitlement to current and future means-tested benefits.

4. Insurance

As with all insurance policies, conditions and exclusions will apply.

The Financial Ombudsman Service is available to resolve individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. The FCA does not regulate tax or estate planning.

5. Estate Planning

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

Custodia Financial Services has a strategic partnership with APS Legal & Associates Limited (APS), is a member of the Institute of Professional Will Writers and complies with the Trading Standards Institute approved IPW Code of Practice.

6. Financial Planning

The Financial Conduct Authority does not regulate Financial Planning.

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