Safeguards

FSA

The Government’s Financial Services Authority (FSA) regulates both Lifetime Mortgages and Home Reversion Plans.

All authorised firms must adhere to strict rules governing advice and in the event of a complaint; consumers have access to both the Financial Services Compensation Scheme and Financial Ombudsman Service if required.

NHFA Ltd is authorised and regulated by the Financial Services Authority.

You can visit the FSA website for more information - www.fsa.gov.uk

Safe Home Income Plans (SHIP)

NHFA Equity Release will only recommend equity release plans from providers who pledge to observe the SHIP Code of Practice. SHIP members have to offer the following safeguards:

• All information on their plans will be fair, simple and not misleading.

• No negative equity guarantee. You will never owe more than the value of your home.

• The right to remain in your home for life or for as long as you choose.

• The freedom to move to another property without financial penalty.

• Independent legal advice.

You can visit the SHIP website for more information - www.ship-ltd.org