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Saving for your mortgage deposit can feel like an uphill climb when you’re looking for a property in Leeds. Over the past couple of decades, escalating property prices have made the prospect of gathering a deposit seem even more daunting.
If you’re new to the property market in Leeds, our insightful guide may help tick off several queries about acquiring a mortgage with a small 5% deposit.
More often than not, mortgage providers typically require an initial deposit of roughly 5% of the overall property value. For instance, if you have set your sights on a home worth £200,000, you’ll need to set aside a deposit of £10,000.
As a mortgage broker in Leeds, we assess your earnings and financial condition to ascertain whether a 5% deposit is within your reach or whether you need to aim a little higher.
In certain circumstances, securing a mortgage with a 5% deposit with a less-than-perfect credit score may be possible.
However, the level of difficulty and the timeline of your credit issues largely determine the feasibility.
Typically, applicants with a bad credit history are requested to provide a larger deposit, usually around 10%-15% of the property’s value.
There are several schemes designed to assist homebuyers up the property ladder. If you are in Leeds and struggling to gather a deposit, these programs might be the boost you need:
Mortgage Guarantee Scheme – This scheme is the perfect fit if you are a first time buyer in Leeds. Its purpose is to help you secure a 95% mortgage, thereby reducing your deposit requirement to just 5%. Eligibility relies heavily on your financial standing and credit history.
Shared Ownership Scheme – The Shared Ownership Scheme in Leeds gives you allows you to own a percentage of a property (typically between 25%-75%). The way that this works is that you take out a mortgage on the percentage that you own, then pay rent on the remaining share to the other property owner. This could be a building society, landlord, etc.
As circumstances change, you can slowly increase your share until, eventually, you own a sizeable chunk, if not all, of the property.
Lifetime ISA – This is an initiative aimed at helping first time buyers build up their mortgage deposit. The scheme is only accessible if you are a first time buyer in Leeds aged between 18-40.
The Lifetime ISA effectively is a savings account where you can accumulate up to £4,000 annually. The government then boosts whatever amount you save by an additional 25% (max £1000).
For more information on these mortgage schemes and to see what else the government offers, visit OwnYourHome.gov.uk.
We invite you to book your free mortgage appointment with a mortgage advisor in Leeds. Every customer can benefit from a free mortgage appointment where you will get the chance to discuss your homeownership aspirations and ask any questions that you have.
Depending on your unique financial circumstance, obtaining a mortgage with a 5% deposit could be achievable without the use of a mortgage scheme. During your free mortgage appointment, we will take a look at your situation and work out whether this is something that you can do.
If you’re a first time buyer in Leeds, schedule your free mortgage consultation with us today and embark on your journey towards homeownership.
In the early part of the last decade, the UK government launched the Help to Buy initiative. This was an expansion on their previous FirstBuy Scheme, aiming to assist potential homeowners, particularly first-time buyers, to step onto the property ladder. Over the years, some of these schemes have ceased to exist, while others have persisted without the Help to Buy moniker. The best-known and most frequently used one was the Help to Buy Equity Loan Scheme, which stopped accepting new applications at the end of 2022.
This implies that first-time buyers can no longer use Help to Buy in Leeds or elsewhere in the UK, but this doesn’t mean they’re left without any avenues to homeownership. Other well-designed schemes are still available to assist potential home buyers in Leeds!
The forces help to buy schemes in Leeds was initiated to enable regular personnel of the armed forces to become homeowners. With a significant number of these men and women finding it challenging to secure a mortgage, this initiative was unveiled. It began as a trial program, but due to its successful reception and usefulness, the government decided to permanently implement it.
Eligible borrowers under this scheme can get up to 50% of their yearly salary, capped at £25,000. This borrowed amount can be used towards the deposit or other fees associated with buying a house, for example, solicitor’s and estate agent’s fees. The application process can be done through the Joint Personnel Administration System, or with the aid of a mortgage advisor in Leeds.
As a mortgage broker in Leeds, we’re here to clarify the intricacies of this scheme and help you determine your eligibility. Let us handle the details for a worry-free and straightforward mortgage experience.
With shared ownership, buyers can own a portion of a property, with a housing association owning the remaining percentage. This implies that you will be paying a mortgage based on the percentage you own, and rent on the housing association’s ownership share. Typically the property percentage share to be purchased lies between 25%-75%, though exceptions can be made.
With time, should your financial capability increase, or after you’ve paid off your share, you can decide to purchase the rest of the property if the housing association allows it.
Although it isn’t prominently mentioned in the mortgage market, the Lifetime ISA (Individual Savings Account) scheme greatly contributes to getting first time buyers in Leeds to own homes. It is often confused with the already expired Help to Buy ISA, hence, the underutilization of the scheme.
The Lifetime ISA in Leeds allows you to save for either your first home or for later life. The account lets you save money in an interest-free savings account, with the government adding a 25% top-up for the amount you’ve saved each year.
To access your savings for a property purchase, you must have operated the Lifetime ISA for a minimum of 12 months. There are also penalties for unauthorized withdrawals, usually ranging between 20-25% of the saved amount.
Relocation to a new home is a significant decision that requires thoughtful consideration about your future objectives and possible changes over the next five to ten years. To guide you in making the most suitable selection, we have built a list of ten considerations to take into account when choosing the location for your next move.
Where you opt to live will largely depend on your personal circumstances. For instance, first time buyers in Leeds could be more inclined towards city living, whilst families and older folks might favour the tranquillity of a town, village, or rural home. Nevertheless, the ultimate choice remains in your hands.
Ease of transport is paramount in choosing a home. Commuters should evaluate the accessibility to major roads or motorways. Those depending on public transport may find city living more convenient. Always consider commuting costs and time, and consider walking or cycling to work if feasible.
For families, schools are a top priority when house-hunting. If your children are at school or college, you may grapple with the decision to maintain them in their current institution or move them closer to your new location. Your intended distance of relocation will influence this choice. If you’re planning a family, this factor should also be contemplated, as the proximity to schools will eventually become crucial.
Distinguishing between essentials and luxuries is important. While having a gym around the corner could be nice, more immediate needs like grocery shops should take precedence.
Moving away from friends and family can be difficult, particularly if you spend significant time with them. Many people move to be nearer to their loved ones, as having family and friends nearby can provide helpful support, such as childcare.
Getting good value for your money is essential when acquiring property. Check out prices of comparable properties on websites like Rightmove or Zoopla to gauge if you’re getting a deal. If you’re overpaying, the lender could devalue the property during the mortgage appraisal.
Some prefer vibrant communities with frequent events, while others are more inclined towards tranquillity. Facebook groups can give you a flavour of the local atmosphere.
A primary motivation for relocation is to adapt to new career paths. However, with an increasing option to telecommute, this factor may no longer hold as much weight.
Your preferred type and size of accommodation plays a significant role in the choice of location. You may find semi-detached or terraced houses in the city, with larger homes in the countryside. Family size, future plans, and financial situation are key influencers of this decision.
Before committing, it’s paramount to research if there are any planned local projects. Large-scale housing developments could disrupt your peaceful countryside life.
Our ultimate goal is to arm you with information to make the best decision on where to move. Once you’ve found your dream home in a desirable location and ready to proceed, our team of highly experienced mortgage advisors is here to guide you. Book a free mortgage appointment with one of our certified mortgage advisors in Leeds at your convenience online. We eagerly anticipate working with you on your home moving journey!
Unsecured credit is a topic that should not be taken lightly. We regularly speak with customers who are in dire need of specialist mortgage advice in Leeds. Having things like missed payments, low credit scores, CCJs, and defaults, will have an impact on the maximum amount you can borrow for a mortgage.
If you have too many missed payments on something like a mobile phone contract, you may find yourself with a default attached to your credit file. If you are looking for a mortgage in the future, this can cause you trouble because it shows that you may be unreliable with payments.
That said, missing a couple of payments or defaults is not the end of the world. While talking to a specialist mortgage advisor in Leeds can help navigate the mortgage process, there may be some suitable choices for you.
If you have a lower deposit, your chances of being declined are more than likely. If you have a suitable size deposit though, even if you have bad credit, a mortgage may still be an option for you, but you could face high interest rates.
A specialist mortgage lender wants to know when and why your default was registered against you. The further away it is and depending on whether there is a good enough reason, the more likely you are to achieve mortgage success.
People do make mistakes and if it is a genuine, honest mistake that your default was issued, the mortgage lender may be a little more sympathetic during your application.
We have compiled a list of frequently asked questions and answers in addition to bad credit mortgages.
If your questions or situation cannot be found below, feel free to book your free mortgage appointment and we will see how we can help. Our team can provide great mortgage advice in Leeds and have a lot of experience in dealing with complex mortgage situations and may have met something similar before.
No matter what type of credit problems you have had in the past, your mortgage advisor in Leeds will need to see an up-to-date copy of your credit report, which you can typically obtain online for free.
You must get your credit report before applying for a mortgage, especially if you have a poor credit history. Multiple failed credit searches can affect your credit rating and potentially prevent you from getting a mortgage altogether.
The answer to this question depends on your circumstances. We find that many clients can be quite confused by their credit score and need help understanding why it may be a problem.
To some customers, their credit score may not look the best, but in their eyes, they might have a good enough deposit to lower the rate and a consistent income. Even so, because of the risk, a mortgage lender may not like them to borrow anything at all.
The mortgage lender must have absolute certainty that you can keep up with your mortgage payments without the possibility of falling into arrears. If you do fall into arrears, the mortgage lender may need to repossess your home. Contrary to widespread belief, they will want to avoid this if they can.
While it may sound challenging, there are still options for bad credit mortgages, though we tend to find they come with higher rates. At this point, the most beneficial step is to book an appointment with an experienced mortgage broker in Leeds.
In many situations, you may struggle to keep afloat financially for reasons you cannot control. This can leave you unable to make mortgage payments you had no trouble paying.
Unfortunately, such circumstances happen. Even if it could only be a momentary blip, you can repay quickly enough, a missed payment may still appear on your record.
No matter what credit problems you face, you may face a challenge when it is time to remortgage, buy your first home, or move home.
Providing open and honest bad credit mortgage advice in Leeds, we have had a lot of experience in helping customers who were previously tied to a mortgage and have since found themselves with a bad credit history.
If you are in a comparable situation, it will be beneficial to talk to a mortgage broker in Leeds on your way to finding future mortgage success.
Customers may face all kinds of bad credit issues, all of which can cause great grief during the mortgage process. Some of these issues include but are not limited to;
Although none of these are particularly great circumstances, it is not necessarily the end of the road for you. With higher mortgage rates, you may have a longer, more challenging process, but there are specialist mortgage lenders who can help.
You need to focus on improving your credit score to increase your chances of mortgage success and access to better interest rates. We have a useful article that we have written on How to Improve Your Credit Score in Leeds, which will hopefully help you to obtain a mortgage in the future.
If you need bad credit mortgage advice in Leeds, don’t hesitate to book your free mortgage appointment online and one of our mortgage advisors in Leeds will see how they can help.
We have over 20 years of mortgage knowledge and experience on our side, working hard to make sure that we have a definite plan of action regarding your credit score, ahead of your mortgage process. We hope that the eventual outcome has you with your mortgage.
Every mortgage lender operates uniquely, using distinct methods to determine who qualifies for a mortgage and who, unfortunately, does not.
The criteria of some lenders are more challenging to meet than others, with the key to success depending on their strictness and the quality of your credit score.
In our extensive years of service, we’ve often witnessed mortgage applications being declined simply because the customer doesn’t meet the specific criteria for that particular deal.
This highlights the importance of seeking advice from a dedicated mortgage broker in Leeds. Our team of experienced and committed advisors diligently works to identify the most suitable lender for you, considering your personal circumstances.
Before applying, it’s important to review your credit file to assess its standing. If it needs improvement, speaking with an open and honest mortgage broker in Leeds can provide guidance on prioritising steps to enhance your credit score.
It’s essential to acknowledge that only a few individuals realistically qualify for every available deal. Homebuyers and movers often find themselves searching for the wrong mortgage deals.
The fact that a deal is cheap and appealing doesn’t guarantee qualification, as lenders have specific criteria. As a seasoned mortgage broker in Leeds, we recommend thorough research into the various types of mortgages or reaching out for a free initial mortgage consultation.
Many customers use price comparison websites to find a mortgage in Leeds, but it’s important to understand their limitations. While they analyse costs, these platforms don’t consider all the nuances of a lender’s criteria.
Relying solely on this process may lead to wasted time, potential property loss, or disruption in a property chain. Picking the wrong mortgage could even harm your credit score through a failed application.
Customers might be eligible for various mortgage deals, but lenders may offer reduced deals based on their criteria. Lenders often change their initial borrowing amount, and it’s common for borrowers to face adjustments in the offered mortgage terms.
As mentioned, each lender has a unique approach to the mortgage process, making it unlikely to match all their individual criteria. It’s important to narrow down options and determine the most suitable choice.
Whether you’re a first time buyer in Leeds or looking to move home, seeking expert mortgage advice is always beneficial. Our dedicated team provides continuous support and aims to find the most appropriate mortgage deal for your circumstances.
Having collaborated with thousands of customers over the years, we’ve helped in specialist mortgage cases, helping individuals achieve success with mortgages they thought unattainable.
Approaching a trusted and dedicated mortgage broker in Leeds also offers insights into improving your credit score, especially in challenging financial circumstances. For assistance with specialist mortgage situations in Leeds, contact us today for a free initial mortgage consultation.
Shared Ownership is your key to homeownership, introduced post the Credit Crunch as part of the government’s Help to Buy initiative. This scheme is tailored to help first time buyers in Leeds facing challenges in getting on the property ladder.
In Shared Ownership, you don’t buy the whole property; instead, you own a percentage (usually between 25% and 75%) and pay rent on the remaining share. This option provides financial flexibility, making homeownership more achievable.
To join Shared Ownership, ensure your household income is under £80,000. This scheme exclusively caters to first time buyers in Leeds or those in the process of selling a property. You must not own another property at the time of purchase and demonstrate financial responsibility.
This means showing you have no missed payments on mortgages or rent, and maintain a positive credit history. Additionally, prove you can cover all costs associated with Shared Ownership.
Upon achieving full ownership, you gain the right to sell the property yourself. However, the housing association holds the ‘first refusal’ right for a specific period after your initial purchase. Once this period lapses, you have the freedom to sell to anyone.
If you need advice with a Shared Ownership, our friendly advisors are available 7 days a week.
Whether you’re a seasoned buyer or a first time buyer in Leeds, we’re here to provide support. Book your free mortgage appointment today and we’ll see how we can help.
Navigating the property offer process can be complex, especially for first time buyers in Leeds. The delicate balance of offering less than the asking price while ensuring your bid is still competitive can be challenging.
As seasoned mortgage brokers in Leeds, we understand the intricacies of this negotiation dance. We often advise clients to find the “magic number” – an offer neither too low nor too high, aligning with the property’s true value.
This may not be achieved with the initial offer, making it essential to have a mortgage advisor in Leeds by your side for guidance and support. Our experts can lead you through the process, increasing your chances of success in a competitive market.
A quick tip for property offers: if your first offer is accepted, you may have bid too high. It’s wise to offer less than your maximum to leave room for negotiation.
Estate agents often inquire whether you’re a cash buyer or require a mortgage. Cash buyers can be attractive to sellers for their ability to complete transactions swiftly.
However, if you need a mortgage, having an agreement in principle (AIP) is important. We, as mortgage advisors in Leeds, can arrange your AIP promptly, providing you with a solid foundation for making an offer.
For those moving home in Leeds, selling your current property before making an offer on another is advisable. The sale provides the deposit for your new purchase, streamlining the process.
However, circumstances may lead you to explore potential homes before selling. While not ideal, our advice is to proceed cautiously and be transparent with the seller about your situation.
Preparation is key when making an offer. Ensure all necessary documents are in order, including proof of ID, address, deposit, and financial statements. Working with a dedicated mortgage broker in Leeds, like us, can simplify this process, ensuring your application is comprehensive and appealing to lenders.
Amidst the challenges of the home-buying journey, remember the emotional connection between the buyer and seller can play a role. Sharing your plans for the property, especially if they align with the seller’s experiences, can create a positive connection.
If given the chance, inquire about the seller’s future plans, reasons for moving, and the property’s history with other offers.
These details may provide insights into the property’s value and potential negotiation points. Understanding the seller’s perspective can empower you to make informed and strategic offers.
If you reside in Leeds and currently occupy a property owned by the local authority (either the council or housing association), you may have the opportunity to become a homeowner through the Right to Buy scheme in Leeds.
The Right to Buy Scheme, if you meet the eligibility criteria, empowers you to purchase the property at a discounted price. Instead of paying rent for a property that isn’t yours, with potential variations in the monthly mortgage payment, you can truly call it your home.
If you’re new to the Right to Buy in Leeds or find any information here confusing, feel free to reach out for expert Right to Buy mortgage advice in Leeds. Our dedicated mortgage advisors are available throughout the day to address any queries you may have.
Drawing upon our extensive experience in the industry, we possess in-depth knowledge of Right to Buy mortgages and can guide you through the entire process seamlessly.
If the Right to Buy Scheme in Leeds is unfamiliar to you, and this is your first encounter with it, it’s advisable to contact your local authority to verify your eligibility for purchasing your rented home.
Upon confirmation of eligibility, you can expect to receive a Right to Buy offer from them, detailing property prices when the scheme is active and ready.
Given that the offer typically has an expiry date, it’s important to speak with a fast and friendly mortgage advisor in Leeds well before this period concludes.
Upon reaching out to us, we will schedule a free initial mortgage consultation, where we gather your details to comprehend your unique situation. You’ll engage with an experienced and dedicated mortgage advisor in Leeds, who will provide expert guidance throughout the entire process.
To be eligible for the Right to Buy discount, a three-year residence in your rental property is required, whether this period is continuous or not.
However, the Right to Buy discount is not accessible if any of the following conditions apply:
Additionally, specific living circumstances, such as selected housing for the elderly or having a career in a particular sector, may not qualify for the Right to Buy discount.
A mortgage agreement in principle (AIP), also referred to as a decision in principle or agreement in principle, stands as a valuable resource for prospective homebuyers in Leeds. This initial step offers an estimate of the potential borrowing amount before formally initiating the mortgage application.
To secure an AIP, a soft credit check is performed, causing minimal impact to your credit score. Importantly, obtaining an AIP doesn’t bind you to proceed with a mortgage application.
At Leedsmoneyman, our commitment is to provide you with an AIP within 24 hours of your initial mortgage appointment. The validity of this agreement spans 30-90 days, allowing ample time for property exploration and can be easily renewed if it expires.
When pursuing a mortgage agreement in principle, you have two pathways. You can directly approach a mortgage lender or enlist the assistance of a reputable mortgage broker in Leeds, such as us.
Our seasoned mortgage advisors act as intermediaries with the lender, ensuring a swift AIP process. Every customer is entitled to a complimentary mortgage appointment, during which expert advice is dispensed, and your AIP is delivered within 24 hours.
To proceed with the application, documentation supporting proof of income, employment details, credit history, and other personal information is required. This step offers a reliable estimate of the potential borrowing amount.
Obtaining a mortgage agreement in principle prior to commencing your property search is a prudent move. It offers a preliminary understanding of your borrowing capacity, enabling you to focus on properties within your financial scope.
Moreover, having an AIP can bolster your position when making an offer, signalling to sellers and estate agents that you are a serious buyer.
It’s important to note that while an AIP provides valuable insights, it doesn’t guarantee mortgage approval; comprehensive assessments are conducted during the full application process.
When applying for an agreement in principle, the mortgage lender will request specific personal information to assess your eligibility and determine the potential lending amount.
This includes details like income, employment status, credit history, and relevant personal information. Additional documentation may be requested, such as bank statements or proof of income, to inform the lender’s decision.
An AIP outlines the potential lending amount based on provided information without forming a legal contract. In contrast, a mortgage offer is a formal, legally binding agreement from a lender, confirming their willingness to lend after thorough checks.
Understanding this distinction is key; an AIP aids in estimating borrowing capacity, while a mortgage offer comes with legal implications.
Obtaining an AIP typically has a minimal impact on your credit score, often involving a soft credit check.
While some lenders may perform a hard credit check during the AIP process, visible on your credit report, it’s essential to recognise that the mortgage application itself typically involves a hard credit check. Thus, limiting applications and pursuing an AIP when serious about a property purchase is advisable.
An AIP brings several benefits to the mortgage journey, offering clarity on borrowing capacity, helping streamline property selection, and potentially expediting the application process.
It can also enhance the likelihood of offer acceptance, as sellers and agents often favour buyers with an AIP, viewing it as a sign of commitment and active mortgage efforts.
Typically, obtaining an AIP is free of charge, representing a lender’s willingness to lend based on provided information. Our mortgage advisors in Leeds can facilitate your AIP at no cost; feel free to reach out for a complimentary mortgage appointment.
Rejection for an AIP doesn’t automatically translate to rejection for a full mortgage application.
Understanding the reasons for rejection, exploring alternative options, and refraining from multiple AIP applications are advisable practices. A mortgage broker in Leeds can play an important role in finding the right lender and guiding you through the process.
For first time buyers in Leeds or those moving home in Leeds, engaging with a mortgage broker like us for an AIP before making offers is strongly recommended.
Our experienced mortgage advisors in Leeds strive to provide an AIP within 24 hours, guiding you through every step of the mortgage journey. Book a free mortgage appointment to embark on your homebuying journey with a trusted mortgage broker in Leeds.
Let’s delve into the diverse world of mortgages for home buyers. The market offers a multitude of mortgage types, each possessing unique characteristics with accompanying advantages and drawbacks.
In this article, our focus centres on the tracker mortgage – examining its workings, potential benefits, and why it appeals to homebuyers.
It’s important to note that the suitability of a mortgage deal hinges on the specific circumstances it aligns with, making it essential to conduct thorough research and preparation beforehand.
As a trusted mortgage broker in Leeds with extensive experience, we consistently advocate for being well-prepared and seeking expert advice, especially for first time buyers exploring the property market in Leeds.
For further insights, you can explore our YouTube video on the same topic. Head over to our moneymanTV channel and watch “What is a Tracker Mortgage?” available on this page:
Now, let’s tackle the key question—what exactly is a tracker mortgage? When on a tracker mortgage, your interest rate mirrors the Bank of England’s base rate, with an additional percentage set by your lender.
It’s important to understand that your lender does not have control over this rate; it is externally determined and must be adhered to.
For instance, if the Bank of England’s base rate stands at 1%, your lender may add a fixed percentage, resulting in your interest rate consistently remaining slightly above the Bank of England’s rate.
The efficacy of a tracker mortgage is evident when the Bank of England’s rate is relatively low, typically hovering around 0-1%, subject to fluctuations throughout the year. Historical instances, such as the credit crunch in 2007-2008, saw the interest rate surge to around 5%.
Coupled with the lender’s added percentage, this could lead to a substantial 6% interest on monthly mortgage repayments.
Conversely, during the initial stages of the COVID-19 pandemic in March 2020, a significant drop in the Bank of England’s rate to 0.1% likely resulted in tracker mortgage holders enjoying a reduced 1.1% interest rate.
Securing a tracker mortgage during such periods, however, proves challenging, as lenders aim to strike a balance between profitability and risk.
The tracker mortgage’s appeal lies in its responsiveness to economic conditions. During periods of economic downturn with a high Bank of England rate, it may not be the most suitable option. Conversely, in a thriving economy with a low base rate, a tracker mortgage becomes an attractive choice.
Aspiring first time buyers in Leeds have a wide variety of mortgage options at their disposal. However, selecting the right one requires careful consideration of individual circumstances.
Before committing to any mortgage deal, seeking guidance from a trusted mortgage advisor in Leeds is highly recommended. They can navigate the market to identify the most competitive deals tailored to your specific financial situation.
For first time buyers in Leeds, our mortgage advice service proves invaluable. With over two decades of experience in the mortgage industry, we possess expert knowledge of various mortgage types, ensuring personalised guidance for those taking their first steps into homeownership.
Whether you’re a first time buyer, looking to remortgage, or planning to move home in Leeds, our dedicated and compassionate mortgage broker service accompanies you from the initial stages to the completion of your mortgage journey.
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UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
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Leedsmoneyman.com & Leedsmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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