In a complex world such as Financial Services, you may need to ask for an explanation in plain English about the products available to you and for this reason we have included this wealth of information that will help you understand the more involved areas.

Often it is difficult to comprehend the difference between various types of mortgage or investment products. This simple guide should assist you in appreciating the options available to you and help in assessing their suitability to your needs so that our discussions in the future will be more meaningful.

We have also put details of our company in the "Contact Us" section which gives you several options in case you need us to answer more specific questions or if you would like to arrange an appointment to see you. We can visit you at home or at your place of work, or you may prefer to visit our offices.

* Guides marked with an asterisk can be downloaded as a word document.

These guides do not provide individual tailored investment advice and is for guidance only. You should not act independently on the areas covered here but should seek professional independent financial advice. These guides represent our understanding of law and HM Revenue & Customs practice as at the date of publication. We cannot assume legal responsibility for any errors or omissions they might contain. Levels and bases of, and reliefs from taxation are currently those applying or proposed and are subject to change; their value depends on individual circumstances of the investor. The value of land and buildings is generally a matter of a valuer’s opinion rather than fact. The value of investments can go down as well as up and you may not get back the full amount invested. The past is no necessarily a guide to future performance and past performance may not necessarily be repeated. If you withdraw from an investment in the early years, you may not get the full amount you invested. Changes in the rates of exchange may have an adverse effect on the value or price of an investment in sterling terms if it is denominated in a foreign currency. Your home may be repossessed if you do not keep up repayments on your mortgage. Loans are subject to status and written details are available on request. The Financial Services Authority does not regulate all activities undertaken by the company.