"Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it".
"For mortgages, our typical fee is £147.00 and/or we can receive commission from the lender".
"The Financial Services Authority does not regulate Banking, Will Writing, Loans, Credit Cards, some forms of Mortgage, Tax Advice, Offshore Investments, and Estate Planning".
"Level and bases of, and reliefs from, taxation are those currently applying but are subject to change and their value depends on the individual circumstances of the investor. The value of investments can go down as well as up, as can the income derived from them. Past performance does not guarantee future growth or income and you may not get back the full amount invested."

Black Dog Financial Services Ltd
35 Moray Street
Elgin, Moray
Scotland, UK
IV30 1JH
Tel: 01343 552900
E-mail: ifa@blackdogifa.co.uk