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Disclaimer

Fraser James Partnership is a trading name of McHardy Financial Ltd which is authorised and regulated by the Financial Conduct Authority.   We are entered on the Financial Services Register No. 126147.

Registered Office: 13 Bon Accord Crescent , Aberdeen , AB11 6DE. 

The Financial Conduct Authority does not regulate advice on trusts. 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.

For Mortgages, our typical fee is £299. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Debt Management Plans, Trust Deeds and Sequestration are not regulated by the Financial Conduct Authority. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term. Fees payable Subject to Status. Conditions apply. Repaying debt over a longer period may increase the total amount to be paid.

Trust based solutions, guardianship advice and inheritance tax mitigation, SSAS, and certain types of corporate investments are not regulated by the Financial Conduct Authority.

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.

The value of your investments can go down as well as up, so you could get back less than you invested. The value of your income from your investment can go down as well as up. Past performance is no guarantee of future returns.

Tax advice which contains no investment element is not regulated by the Financial Conduct Authority. Thresholds, percentage rates and tax legislation may change in subsequent Finance Acts. Levels and bases of, and reliefs from, taxation are subject to change and their value depends on the individual circumstances of the investor.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it.

Buy to let (pure) and commercial mortgages are not regulated by the FCA.

Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may not be right for everyone. It may affect your entitlement to state benefits and will reduce the value of your estate.