Mortgage Decision in Principle (DiP)

RISK WARNINGS

THIS WEBSITE IS FOR UK RESIDENTS ONLY.

THE TAX TREATMENT IS DEPENDENT ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.

THE VALUE OF UNITS CAN FALL AS WELL AS RISE, AND YOU MAY NOT GET BACK ALL OF YOUR ORIGINAL INVESTMENT.

THERE MAY BE AN ELEMENT OF CURRENCY RISK WITHIN SOME OF THE PENSION AND INVESTMENT SOLUTIONS WE ADVISE.

A PENSION IS A LONG TERM INVESTMENT. THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE AND ANY OTHER DEBT SECURED ON IT.

FOR THE OVERALL COST FOR COMPARISON FOR ALL TYPES OF MORTGAGES (INCLUDING IMPAIRED CREDIT) PLEASE SEE THE APR (ANNUAL PERCENTAGE RATE) ON THE RELEVANT MORTGAGE ESIS ILLUSTRATION.

NON-INVESTMENT LINKED TERM LIFE AND / OR CRITICAL ILLNESS ASSURANCE COVER AND INCOME PROTECTION WILL HAVE NO CASH IN VALUE AT ANY TIME. THE COVER WILL CEASE AT THE END OF THE POLICY TERM. IF PREMIUMS ARE NOT MAINTAINED, YOUR COVER WILL LAPSE.

WE ONLY RECOMMEND CRITICAL ILLNESS PLANS WITH THE ENHANCED OR FULLY COMPREHENSIVE LIST AND DEFINITIONS OF CONDITIONS. FOR A FULL LIST OF THE DEFINITIONS OF ILLNESSES COVERED PLEASE REFER TO THE RELEVANT KEY FEATURES AND POLICY DOCUMENTS ISSUED BY THE INSURANCE COMPANY, FOR THE POLICY WE HAVE RECOMMENDED. THESE DOCUMENTS WILL BE ENCLOSED WITH YOUR ADVICE REPORT.

NON-REGULATED BUSINESS INCLUDES INHERITANCE TAX PLANNING, TRUSTS, NATIONAL SAVINGS & INVESTMENTS (NS&I).

APPROVED BY IN PARTNERSHIP 192638 AUGUST 2026.

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