For Investments we can be remunerated in one of two ways. The first being by way of fees for the work carried out. The second option is choose the commission route, where the product provider pays us for any business transacted. For mortgage business we may charge a fee, receive commission or in certain circumstances we may charge a fee and retain any commission payable.

Not all firms charge for advice in the same way. We will discuss your payment options with you and answer any questions that you may have. We will not charge you anything until you have decided which way we are to be paid.

We can also offer advice on your life insurance and protection issues from a wide range of insurers.

All these areas are covered in the document, 'Key Facts about our costs & services'. This is available on request and will form an integral part of any initial discussions that may take place.

• Your home may be repossessed if you do not keep up repayments on your mortgage.
• There may be a fee for mortgage advice. The precise amount of the fee will depend on your circumstances, but we estimate it will be £100.