We will advise and make a recommendation for you after we have discussed your needs in relation to protecting you, your family, your home or your business. We advise on non-investment protection products e.g. term assurance, income protection, critical illness and home insurance from a range of providers.
We provide an unlimited mortgage service. We will search the whole of the market place to find the most appropriate mortgage to suit your particular needs. We provide mortgages in the non-business and business markets and for first and second charge loans in both markets.
Where we provide services in relation to increased borrowing on an existing mortgaged property there may be an alternative option available that may be more appropriate. For example, you may be able to obtain a further advance from your existing lender, or obtain an unsecured loan for the additional funds. Where your existing mortgage is a first charge against the property, a second charge mortgage may be available and where the existing mortgage is a second charge, a first charge loan may be available.
Crystal Advice Limited is an Appointed Representative of Ingard Financial Limited who is authorised and regulated by the Financial Conduct Authority (FCA) No. 450731. Registered Office: Kings Court, 17 School Road, Birmingham, B28 8JG. Registered No. 9932669.
Our permitted business is recommending and advising on regulated mortgage contracts and regulated non-investment insurance contracts.
You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 1116768
We are typically covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 90% of the claim, without any upper limit.
Mortgage advising and arranging is covered for 100% of the first £85,000 so the maximum compensation is £85,000.
Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other secured loans.
Crystal Advice Limited is an appointed representative/introducer appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority, [Maple House, Park West, Sealand Road, Chester, Cheshire, CH1 4RN]
The Financial Ombudsman Service is available to sort out 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 Financial Conduct Authority does not regulate some forms of bridging loans.
The Financial Conduct Authority does not regulate Wills, LPA’s, Trusts and all services deemed to fall under the Estate Planning and Estate Administration services.
The Financial Conduct Authority do not regulate some forms of buy to let mortgages. We may charge a fee for our service up to 1%. Our typical fee is £500 payable on completion, subject to status.
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
The information contained on these webpages is for information purposes only and does not constitute individual advice. Please contact us to arrange a consultation.
Registered Office: Kings Court, 17 School Road, Birmingham, B28 8JG. Registered No. 9932669. Registered in England and Wales
