0121 693 5380
clicking on Social Media buttons will take you to an external site

Conditions of Use

The Products and Services we will Provide you with


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. In the majority of cases, eligible claims related to advising and arranging of protection products are covered for either 90% or 100% of the claim, without any upper limit.


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.

Alternative Finance Options

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.

Who Regulates Us

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 or by contacting the FCA on 0800 1116768

Are we covered by the Financial Service Compensation Scheme (FSCS)?

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