Regulatory Information for Capital Advice
This page provides important information about the legal and regulatory status of Capital Advice, the authorised firm behind the trading style and key disclosures relevant to our mortgage services.
Authorised Firm
Capital Advice is a trading style of Orchard Financial Solutions Ltd.
Orchard Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority.
Financial Services Register number: 623905
Firm and Company Details
The legal entity responsible for the Capital Advice trading style is Orchard Financial Solutions Ltd.
Registered Office
9 Riverside
Bolton
England
BL1 8TU
Capital Advice Trading Address
Chorley Business & Technology Centre
East Terrace, Euxton Lane
Chorley
PR7 6TE
Regulated Activities and Our Role
The following wording describes the activities undertaken by Orchard Financial Solutions Ltd in connection with the services provided through Capital Advice.
Orchard Financial Solutions Ltd is a brokerage and not a lender. The FCA does not regulate some investment mortgage contracts.
Capital Advice provides mortgage guidance and advice within the scope of the relevant authorised activities of Orchard Financial Solutions Ltd.
Important Mortgage Risk Information
Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
Mortgage suitability depends on individual circumstances and lender criteria. Any recommendation is based on the information available during the advice process and the mortgage options relevant at that time.
Buy-to-Let and Let-to-Buy
The regulatory treatment of buy-to-let and let-to-buy lending can vary depending on the circumstances and the type of mortgage arrangement involved. The position relevant to your case will be explained as part of the advice process.
Website and Financial Communications
Information on this website is intended to explain our services and help visitors understand common mortgage considerations. It does not replace personalised mortgage advice based on your individual circumstances.
Clear Information
We aim to present mortgage information in a way that is fair, clear and not misleading.
No Personal Recommendation From Website Content Alone
A mortgage recommendation requires an assessment of the information relevant to your individual circumstances.
Product Information Can Change
Mortgage availability, criteria and product features can change and are assessed at the relevant point in the advice process.
Related Legal and Regulatory Information
Have a Question About Capital Advice?
Contact Capital Advice if you would like to discuss our mortgage services or need help locating information about our regulatory status.