Emery Mortgage & Insurance Services - Independent Advice from Certified Mortgage Specialists


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	Adverse Financial Consequences


	Early Repayment Charge


	A fee which is charged if you repay all or part of the mortgage early. This is normal if you have a fixed, discounted, capped or cashback mortgage.


	Early surrender of an investment may adversely affect the amount of capital you have accumulated to repay the mortgage loan.


	Changes in personal circumstances (long term illness, relationship breakdown or unemployment) can also have adverse financial consequences.


	Future Potential Repayment


	At the end of a fixed, capped or discounted rate period the interest rate payable on the mortgage will normally revert to the lenders standard variable rate that applied at that time.


	Even if there is no change in the current variable rate, you may find that your monthly payments are higher.


	Portability


	The mortgage may not be portable, which means you may incur penalties, especially in the early years if you sell your property and have to redeem the mortgage.


	We do not charge a fee for our insurance services. We do not normally charge a fee for mortgage advice, however as we are independent a fee paying option is available. Our typical fee is £99.00.


	YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

	Emery Mortgage & Insurance Services is an Appointed Representative of H. L. Partnership Limited which is authorised and regulated by The Financial Services Authority. Emery Mortgage & Insurance Services are entered on the Financial Services Register (http://www.fsa.gov.uk) under reference 414055 and H. L. Partnership Limited is entered on the register under reference 303397.

		The guidance and/or advice contained within this website is subject to the UK regulatory regime & is therefore primarily targeted at consumers based within the UK.

		Copyright © 2006 Emery Mortgage & Insurance Services. Proprietor - Rob Emery CeMAP. Emery Mortgage & Insurance Services are not responsible for external websites.

		Registered Correspondence Address - 5 Champernowne Crescent, Ilfracombe, North Devon EX34 9PL. You can e-mail us by clicking here.

		*Home visits, including evening appointments, are available in Ilfracombe, Braunton, and Barnstaple and their surrounding areas. If you are not in any of these areas we would be happy to provide our range of of mortgage and insurance services to you over the phone. Please contact us if you would like to arrange a no obligation appointment.




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