Ngage Finance

Thinking about buying a home at auction? 🏠 It might seem daunting, but it could be a savvy move!

Auctions are growing in popularity for homebuyers, offering a unique way to find your next property. However, understanding the process is key.

Speed is of the essence at auctions, and so is finding the right mortgage solution fast. We're here to help you assess your options without spending precious time comparing countless deals.

For anyone considering purchasing a property at auction, we simplify mortgage advice, making it accessible without overwhelming you with jargon or complex terms.

Interested in exploring your mortgage options for auction properties? 🏡

Get in touch to book an appointment and let's make your property dreams a reality, without wasting a minute.

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

With a little help from development finance, you could turn your unused commercial space into residential homes 🏡

At a time with increased residential demand, you could increase your rental yields with your own conversion of commercial to residential 🙌🏼

We're ready when you are, let's talk 📱

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

The amount you can borrow with development finance depends on several factors, and there's not a one-size-fits-all answer. Here's a breakdown of the key influences:

👉🏼 Gross Development Value (GDV): This is the estimated market value of the completed property project.
👉🏼 Loan-to-Gross Development Value (LTGDV): This ratio represents the maximum loan amount a lender is typically willing to provide compared to the GDV. It usually falls within a range of 50% to 70%.

Lenders will also consider your experience as a developer and your ability to deliver the project successfully. A strong project plan, a detailed budget, and an experienced team can improve your chances of securing a larger loan. Your creditworthiness and financial situation will also be assessed by lenders.

Need help with development finance? We're the team for you 📱

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

🌟 Join Our Team! 🌟

Are you a self-motivated CeMAP qualified mortgage broker looking to take your career to the next level? Ngage with us, we're hiring and want YOU to be a part of our team.

✅ Flexible working: Work from home or hybrid options available
✅ Immediate start: Jump into action right away
✅ Comprehensive training: Expand your skill set with new products like bridging and commercial mortgages
✅ Lead generation: We provide leads, but your hunger to find your own will be rewarded
✅ Referral opportunities: Earn even more by referring cases

If you're ready to seize new opportunities and grow professionally in the mortgage industry, we want to hear from you!

Drop us a message to learn more and join our team today. 📱

Call us ☎️ 0800 8044645
Email Us 📧 info\.co.uk
Visit our website: https://buff.ly/3qF3aNz

Ready to have your business in a permanent home?

NGage Finance is here to help make the process of getting a commercial mortgage stress free.

We have access to a wide range of people who have the adequate skills and understanding in order for you to be sourced with a mortgage specifically tailored to your needs.

We understand that commercial mortgages can be complicated and time consuming, which is why we want to take away all that pressure for you.

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

In the context of bridging finance, an exit strategy refers to the plan for repaying the loan. Bridging loans are meant to be temporary financing solutions, so lenders need to be confident you'll be able to pay them back within a set timeframe.

Some common exit strategies for bridging loans are:

1️⃣ Selling a property: This is a typical exit strategy if you're using the bridging loan to finance a property purchase. Once you sell your existing property, you can use the proceeds to repay the bridging loan.

2️⃣ Refinancing another loan: You might use a bridging loan to cover a short-term financial gap while you arrange a more permanent loan solution, like a mortgage with a lower interest rate.

3️⃣ Using business income: If you're self-employed, your exit strategy might involve using future income from your business to repay the loan. The lender will assess your business's financial health and future projections to determine if this is a viable option.

When we discuss specialist finance options with you, we will also discuss your exit strategy options too

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

Bridging finance can be a great option for self-employed folks! Unlike traditional loans, it focuses on your property value and exit strategy, not just a steady paycheck.

Here's the lowdown:

👉🏼 Docs matter: Be prepared to show business accounts (1-2 years) and bank statements to prove your financial health.
👉🏼 Exit plan's key: How will you repay the loan? Selling a property, refinancing, or using business income are all good options.

Being self-employed doesn't block you from bridging finance, not with a little help from us 👋🏼

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

Ready to make your development plans a reality?

We can help make your vision happen with a little help from development finance!

With our access to specialist lenders and our experience in helping developers just like you, Ngage is the way forward 👉🏼

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

🌟 Join Our Team! 🌟

Are you a self-motivated CeMAP qualified mortgage broker looking to take your career to the next level? Ngage with us, we're hiring and want YOU to be a part of our team.

✅ Flexible working: Work from home or hybrid options available
✅ Immediate start: Jump into action right away
✅ Comprehensive training: Expand your skill set with new products like bridging and commercial mortgages
✅ Lead generation: We provide leads, but your hunger to find your own will be rewarded
✅ Referral opportunities: Earn even more by referring cases

If you're ready to seize new opportunities and grow professionally in the mortgage industry, we want to hear from you!

Drop us a message to learn more and join our team today. 📱

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

Getting a mortgage for a property above or near a commercial unit can be complex. Mainstream lenders often view these properties as riskier due to potential disruptions from the commercial activity, like noise or odours.

While some lenders may reject such applications outright, others may consider them on a case-by-case basis. Ultimately, the decision rests on the valuer's assessment of the property. 😯

Retail units with limited operational hours or professional services are usually easier to get mortgages near. However, properties near pubs, restaurants, or hair salons may face more challenges.

The overall quality of the building and common areas also affect lender interest and a larger deposit might be required. 💷

Why the caution from lenders? It's all about future saleability. Properties near commercial spaces can be harder to sell due to potential issues like noise or litter, lowering demand and impacting resale value.

Location can influence lender decisions too. Properties in bustling city centres might be viewed more favourably due to higher demand.

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

Looking to bridge the gap in your finances? Here are some common uses for bridging finance in 2024:

🏡 Property Purchases:
- Secure your dream home while awaiting the sale of your current property.
- Seize investment opportunities by quickly accessing funds for property acquisitions.

🛠 Property Development:
- Fund renovation or refurbishment projects to enhance property value.
- Cover construction costs for new developments, such as building extensions or conversions.

📚 Education Expenses:
- Finance education fees for yourself or your children, ensuring access to quality education without delay.

🏢 Business Ventures:
- Kickstart entrepreneurial endeavours or inject capital into existing businesses to fuel growth and expansion.

Whether you're a homeowner, property investor, entrepreneur, or simply in need of short-term funding, bridging finance offers flexible solutions to meet your diverse needs.

Ready to bridge the gap? Contact us today!

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

First time developer? That's ok, it's not our first time

We'll show you the ropes, break each stage down for you, and ensure you understand the process as we go 🙌🏼

There are specialist lenders out there who consider first time developers, so let us show you 🤩

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

What's the difference between HMOs and Multi-Unit Blocks?

1️⃣ HMO (House in Multiple Occupation):
- Typically a house divided into separate rental units, often with shared facilities.
- Each tenant rents a room individually, sharing communal areas like kitchens and bathrooms.
- Ideal for landlords looking to maximise rental income by renting to multiple tenants.

2️⃣ Multi-Unit Block:
- Refers to a building containing multiple self-contained units, each with its own facilities.
- Each unit is a standalone dwelling, providing privacy and autonomy for tenants.
- Commonly seen in apartment buildings or blocks of flats.
- Offers a diverse tenant pool and potential for higher rental yields.

Consider your investment goals and preferences to determine which option aligns best with your strategy. Need advice? Our team is here to help! 💼

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT.

Well done all involved

We would like to send a huge thank you to everyone who supported the MT Finance and Ngage Finance crew as they conquered Pen y Fan. You all helped to raise an incredible £922 for Birmingham Childrens Hospital. 🥰 🎈

We are blown away by the generosity of everyone - and their legs have just about recovered!

A product transfer typically refers to the process of switching from one product or service to another within the same provider. It often involves transferring from one mortgage deal to another offered by the same lender.

Remortgage refers to the process of switching your existing mortgage to a new deal, either with your current lender or a different one. It usually involves paying off your existing mortgage with the proceeds from a new mortgage, often to secure a better interest rate, change the terms of the loan, or release equity from your property.

A mortgage product transfer and remortgaging have many similarities, but there are also significant distinctions to take into account before selecting which is best for you. 👇🏼

A mortgage product transfer might be a better option if you need to act quickly because there is less documentation involved, and because you aren't switching lenders, the transaction is typically completed quicker. ⏰

Many of the costs associated with a new mortgage (such as property valuation, legal fees, and conveyancer fees) may also be associated with remortgaging. Remortgaging might not be the best option for you because of these additional costs. 💷

Remortgaging and changing lenders may be a more suitable alternative for you if your present provider is unable to offer the mortgage you need. ✅

The regulated mortgage advisors at NGAGE will explore options with you to determine which is the best to mirror your needs and circumstances.

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

Are you hanging on until the last minute in hopes that rates will drop?

Hanging around means missing out on what's already available, when you could have the best of both... 👀

Lock in a rate today, so you know you have one you'd be comfortable and prepared for when your fixed rate ends, but whilst we wait for your current one to end, we'll be keeping an eye on the market and checking for any lower rates that could work for you 😯

Don't hang around in hopes for something that may not happen, take action today with help from us 👋🏼

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

A second charge mortgage allows you to borrow against the equity in your property, which is the difference between its current value and the outstanding balance on your primary mortgage.

With the funds from the second charge mortgage, you can repay high-interest debts such as credit cards, personal loans, or other outstanding bills. By consolidating multiple debts into a single loan, you may benefit from lower monthly payments and reduced overall interest costs. 📉

Second charge mortgages typically come with fixed repayment terms, allowing you to spread out your debt payments over a set period, usually between 5 and 30 years. This can provide greater predictability and budgeting stability compared to revolving credit arrangements.

It's important to note that like your primary mortgage, a second charge mortgage is secured against your property, so it's crucial to carefully consider your financial situation and ensure you can afford the additional borrowing.

Before proceeding with a second charge mortgage for debt consolidation, it's advisable to see an expert like us. We can assess your unique circumstances, explore alternative options, and help you choose the most suitable solution for your needs. 🙌🏼

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

👉🏼 Additional borrowing: A second charge mortgage allows homeowners to borrow additional funds against the equity in their property while keeping their existing mortgage intact. This can be a way to access funds without remortgaging or affecting the terms of the primary mortgage.

👉🏼 Suitable for specific situations: Second charge mortgages may be suitable for homeowners who want to raise funds but are unable or unwilling to remortgage their existing property due to high early repayment charges, attractive existing mortgage rates, or other personal circumstances.

👉🏼 Flexibility in borrowing: Second charge mortgages can be more flexible than traditional mortgages, allowing borrowers to access funds for various purposes such as home improvements, debt consolidation, or funding large expenses like weddings or education.

Want to know more, give us a call or message us on here 📱

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

6 months before your fixed rate ends seems a bit excessive doesn't it?

However we all know how time flies, how are we in May already?! 🤯

Starting your remortgage 6 months before doesn't mean you'll miss out on more favourable rates in the future

You could lock in a rate month 1, have everything lined up, and still change on month 5 if a more suitable one is available 😯

Make being organised work for you, give yourself more time to prepare for what your next mortgage payments will look like for your budget and book in your remortgage 6 months before your fixed rate ends 💙

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

Building your own home isn't cheap, but it does mean you get to choose exactly how your home turns out 🤩

If the Help to Build scheme doesn't fit for you, there are other options we can help you with such as Development finance or even a bridging loan 😯

All you need to do is get in touch with us, we'll have a chat and go through your situation and we'll review what specialist finance options are out there for you 🙌🏼

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

1️⃣ Investment Property Focus: Buy to Let mortgages are specifically designed for purchasing properties to rent out rather than for personal occupancy. These mortgages typically have different lending criteria and interest rates compared to residential mortgages.

2️⃣ Rental Income Consideration: Lenders often assess the affordability of Buy to Let mortgages based on the potential rental income generated by the property, in addition to the borrower's income. The rental income must typically exceed the mortgage payments by a certain margin, known as the rental cover ratio.

3️⃣ Higher Deposit Requirements: Buy to Let mortgages typically require larger deposits than residential mortgages, often ranging from 20% to 40% of the property's value. This is because lenders perceive Buy to Let properties as higher-risk investments due to potential rental voids and property maintenance costs.

If you're looking to invest or wish to review your buy to let mortgage we can help 👋🏼

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

Bridging finance and traditional mortgages serve different purposes and operate under distinct terms:

1️⃣ Purpose: Bridging finance is typically used for short-term funding needs, such as purchasing property quickly or covering a gap between the purchase of a new property and the sale of an existing one. In contrast, traditional mortgages are long-term loans used primarily for buying property.

2️⃣ Duration: Bridging loans have shorter terms, usually ranging from a few months to a couple of years, whereas traditional mortgages typically have terms spanning decades.

3️⃣ Repayment: Bridging loans often require full repayment at the end of the term, while traditional mortgages involve regular payments over the loan term, typically monthly.

4️⃣ Speed and flexibility: Bridging finance offers quicker access to funds and more flexibility in terms of eligibility criteria compared to traditional mortgages, making them suitable for situations where speed and flexibility are paramount.

5️⃣ Interest rates: Bridging loans usually come with higher interest rates than traditional mortgages due to their short-term nature and higher risk. Traditional mortgages often offer lower interest rates because of their longer terms and lower risk profile.

Not sure which option is suitable for your project? Let us help 📱

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

Lenders assess applications for bridging loans on a case-by-case basis, evaluating each based on its own merits and adhering to specific lending criteria.

It's important to note that not all lenders entertain borrowers with adverse credit, as a bad credit history can complicate and increase the cost of securing credit, including bridging loans. 🌉

Generally, individuals with good credit scores find it easier to obtain bridging loans with lower interest rates. However, some lenders may be more lenient with bridging loan approvals compared to traditional loans like mortgages or credit cards, prioritising other factors alongside credit score in their lending decisions.

If you're concerned about your options for bridging finance due to bad credit check in with us as we work with a range of specialist lenders who could help you 🙌🏼

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

1️⃣ Diverse Financing Options: Commercial mortgages offer a wide range of financing solutions tailored to businesses' unique needs, including property acquisition, refinancing, and expansion projects.

2️⃣ Term Length and Repayment Options: Commercial mortgages offer a variety of term lengths and repayment options to accommodate businesses' cash flow and financial goals. Understanding the implications of different repayment structures is crucial for selecting the most suitable mortgage product.

3️⃣ Property Type and Usage: Commercial mortgages cover various property types, including offices, retail spaces, industrial properties, and mixed-use developments. Understanding the nuances of each property type and its potential usage is crucial when considering commercial mortgage options.

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.

A bridging loan for refurbishments works by providing short-term financing to cover the costs of renovating or refurbishing a property. Here's how it typically works:

Initial Purchase: Suppose you intend to purchase a property that requires renovation before it can be sold or rented out. A bridging loan can provide the funds needed to acquire the property quickly, allowing you to secure the purchase without delay.

Renovation Costs: Once you've acquired the property, the bridging loan can be used to cover the costs of refurbishments, renovations, or improvements. This can include expenses such as construction materials, labour costs, permits, and other related expenses.

Short-Term Nature: Bridging loans are typically short-term loans, usually ranging from a few months to a couple of years. They are designed to provide financing for a specific purpose over a relatively brief period, such as completing renovations and selling the property for a profit or refinancing with a long-term mortgage.

Interest Payments: During the term of the bridging loan, you'll typically make monthly interest payments on the loan amount. These payments can be either serviced monthly or rolled up into the loan amount and paid at the end of the term, depending on the lender's terms and your preference.

Exit Strategy: It's essential to have a clear exit strategy in place when taking out a bridging loan for refurbishments. This could involve selling the property after renovations are complete, refinancing with a long-term mortgage, or using other funds to repay the bridging loan.

Overall, a bridging loan for refurbishments provides a flexible financing option for investors and developers looking to renovate properties for resale or rental purposes. It allows them to access funds quickly, complete renovations efficiently, and ultimately maximise the property's value.

Call us ☎️ 0800 8044645
Email Us 📧 [email protected]
Visit our website: https://buff.ly/3qF3aNz

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 948419.