Louise Meah

Adviser Disclaimer

Mortgage advice We advise on mortgages for business and non-business purposes and first charge and second charge loans. We advise on a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender, unless specifically requested to do so. Our advice will be based on the most suitable mortgage product included within the range available to intermediary firms. If there is a particular mortgage product that you are aware of which is available directly from a lender that you wish us to review and comment on, we are happy to do so. We may charge you a fee for providing advice in relation to this but would agree this with you at the time. Protection planning Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market. Alternative finance options: You should note that where we provide services in relation to increased borrowing on an existing mortgaged property there may be alternative options available to you 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. • Where your existing mortgage is a second charge a first charge loan may be available. The way we are paid for our services may depend on the type of advice given. Typically this will be: • Mortgage business: fees agreed and paid by you and a Procuration Fee payable by the lender. • Insurance business: fees agreed and paid by you, or commission payable by the insurance provider, which is a percentage of the total annual premium. There may be additional costs and charges related to the mortgage product we recommend. You’ll receive a European Standardised Information Sheet / key facts illustration when considering a particular mortgage which will tell you about any fees relating to it. If we have carried out research, product options and/or sourced a suitable provider, but your mortgage does not go ahead, we will invoice you our mortgage fee (plus VAT if no intermediation has taken place). If the mortgage has been unusually complex, we may also invoice you for our time spent, over and above the fee. If we are unable to proceed with the lender of choice, for example, by way of you not disclosing material information, you will be invoiced our standard fee. If you then instruct us to source a new lender, an additional standard fee will apply. Alternatively, if for any reason the mortgage does not proceed to completion, for example because the sale falls through, you will be invoiced our standard fee. If you then instruct us on a new property, an additional standard fee will apply. Prydis Wealth Limited is authorised and regulated by the Financial Conduct Authority, Registration Number 432014. Prydis Wealth Limited Registered in England No. 04319996. Registered office – Senate Court, Southernhay Gardens, Exeter, Devon EX1 1NT. VAT No. 974841283