Risk Warning
Prescribed Statement
Your home may be repossessed if you do not keep up repayments on your mortgage.
Included on all non-exempt mortgage advertising except for lifetime mortgages and debt consolidation
Your property may be repossessed if you do not keep up repayments on your mortgage.
Included on all Buy to Let Promotions
A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.
Included on all Buy to Let Promotions
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Included for debt consolidation advertising
Changes in the exchange rate may increase the sterling equivalent of your debt.
Included for foreign currency mortgages
You may have to pay an early repayment charge to your existing lender if you remortgage.
Included for remortgage’s
Commercial Mortgages are not usually regulated by the Financial Conduct Authority.
Included for all commercial
As with all insurance policies, conditions and exclusions will apply.
Included for all insurance advertising (except Lifestyle/ ASU
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Included buy to let advertising
Secured and unsecured loans are arranged by introduction only.
Included if advertising secured or unsecured loans.
Commercial Mortgages are arranged by Introduction only.
Included commercial mortgages
Pension/ Investments (etc) are arranged by introduction to Touchstone Sussex (or other company if not currently using our preferred route)
Included if advertising Wealth products but they are referred (If wealth referrals are to Cathesis advert also need Moneygate approval)
Representative Example 3.85% APRC, based on borrowing £130,000 over 18 years on a 2.98% fixed rate until 30th June 2018, giving 26 monthly payment of £778.36, followed by 190 payments of £837.79 on a variable rate (currently 4%). Total amount payable £179,812.96, including the following one off costs - £30 remittance fee and £248 valuation fee
KFI Required and the above.
Included Rate Tables
ASU – Solutions Advertising.
Included specific interest rate being used
‘Accident, Sickness and Unemployment Cover typically costs £4.71 a month for every £100 of monthly benefit. This is based on a 36-year-old customer choosing £850 of accident, sickness and unemployment monthly benefit with claims paid after a 30-day deferred period.
The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.
There are other providers of Short-Term Income Protection and other products designed to protect you against loss of income. For impartial advice about this type of insurance, please visit the website www.moneyadviceservice.org.uk
Included sFor all ASU advertising (Solutions Only)
Bridging and property Development – Your Home may be Repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Not all forms of Property Development Finance are regulated by the Financial Conduct Authority’.
Secured – Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
FCA Logo cannot be used.
Funeral Plans – advertise on an introduction basis.
Eternity Home Finance is an introducer appointed representative of Stonebridge Mortgage Solutions Ltd for mortgages and insurance introductions. Stonebridge Mortgage Solutions Ltd is authorised and regulated by the Financial Conduct Authority.
Wills are not Regulated by the Financial Conduct Authority. Eternity Home Finance are not acting as appointed representatives of Stonebridge Mortgage Solutions Ltd for Will Writing.
Advertising Rules
Where advertising is approved, particularly in relation to social media including Facebook or website blogs, only general industry news articles may be added without approval from us. The following additions will require specific approval granted prior to use:
• any post with a ‘call to action’ such as ‘call now to check you have the right insurance’.
• any post containing rate information.
• any post containing personal comment on industry press.
This is a reminder to ensure advisers do not breach the FCA requirements of MCoB3.