Terms & Conditions

Credys Financial Services provides: • Mortgage advice and arrangement services • Insurance and protection advice • Financial planning guidance • Property management services

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. • Mortgage rates can go up as well as down • Some Buy to Let mortgages are not regulated by the FCA • The value of investments can fall as well as rise • Tax treatment depends on individual circumstances and may change Think carefully before securing other debts against your home.

Our fee structure: • Initial consultation: FREE • Mortgage arrangement fee: Typically £499-£999 (payable on completion) • Some lenders pay us a commission (procuration fee) • Insurance advice may be commission-based Full fee disclosure is provided in our Initial Disclosure Document before any work begins. You will always be told the total cost before proceeding.

You have the right to cancel most mortgage and insurance contracts within 14 days of completion (the "cooling-off period"). To cancel, contact us in writing within 14 days. Some products may not be eligible for cancellation once the cooling-off period has expired. If you cancel a mortgage after completion, you may still be liable for any costs incurred.

While we strive to provide accurate information and advice: • We are not responsible for lender decisions • Market conditions can affect mortgage availability • Property valuations are the responsibility of the lender • We cannot guarantee specific outcomes Our maximum liability is limited to the fees paid for our services, except in cases of negligence or fraud.