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Your property may be repossessed if you do not keep up repayments on your mortgage. For Buy-to-Let a ‘receiver of rent’ may be appointed and / or your rental property may be repossessed.

The FCA does not regulate some forms of Buy-to-Let and commercial mortgages or taxation advice. The FCA also does not regulate estate planning, Inheritance Tax planning, cashflow modelling, wills or trusts.

The value of investments may fall as well as rise and you may not get back the full amount invested; past performance should not be taken as an indicator of future performance.

For financial planning advice a fee will be payable, this fee will be dependent upon your personal circumstances and will be agreed with you after we have fully understood your requirements. For advice relating to specialist mortgages (for example Lifetime Mortgages, Self-Build Mortgages or Bridging Finance) we may charge a fee for the advice we provide. Any fee is payable upon successful completion of your transaction, unless agreed otherwise. We typically receive commission from the lender/insurer.

The employer providing this service to their employees is not affiliated with Howden Mortgages & Financial Planning in the provision of financial advice and assumes no responsibility or liability for any decisions made by employees as a result of this service. All financial advice provided is given solely by Howden Mortgages and Financial Planning who assume full responsibility for the advice provided.

Howden Mortgages and Financial Planning is a trading style of SPF Private Clients Limited. SPF Private Clients Limited is part of the Howden Group. Registered in England and Wales under company number 3680970 with its registered office at 33 Gracechurch Street, London, EC3V 0BT.

SPF Private Clients Limited is authorised and regulated by the Financial Conduct Authority (FCA). SPF Private Clients Limited is an authorised credit broker and not a lender. Credit isn’t guaranteed and is subject to the lender’s assessment of your personal and financial circumstances.

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