Homeowners reviewing their current mortgage options

Remortgage Advice

Clear guidance on reviewing your current deal, switching lender and understanding the costs.

Reviewing your options

Review your mortgage before the next decision is made for you

A remortgage replaces your existing mortgage with a new mortgage from a different lender while remaining in your property, whereas a product transfer moves you to a new rate with your current lender. Reviewing your mortgage arrangements before an introductory deal or fixed period expires allows you to compare both paths, assess early repayment charges, and evaluate total costs over the full term rather than focusing on headline interest rates alone.

Your current mortgage may have suited you when it was originally arranged, but your deal, property value, and personal circumstances can change. Anderson Reed Financial Services can review your current arrangement, explain the options available from the lenders accessible to the firm, and help you understand the next appropriate step. Any recommendation will follow an assessment of your needs, circumstances, and lender criteria.

Indicative Benchmark Rates & Refinancing Calculator

Fixed Rate Refinancing: 2-Year vs 5-Year Fixed Rate Comparison

Compare indicative 2-year and 5-year fixed mortgage rates across loan-to-value brackets. You can also enter your own rate and fee assumptions to review monthly payments, product and switching fees, remaining mortgage balances, and like-for-like total costs over a shared comparison horizon.

Indicative Benchmark Rate Comparison • Indicative Market Benchmarks Illustrative assumptions reviewed: 21 October 2026 (not a live feed)

Click any LTV tier below to load dated illustrative assumptions

Average Lender SVR Variable

Current avg: 7.75%

Standard variable rate

Benchmark rates are indicative market illustrations based on representative UK lender panel criteria and Bank of England average SVR data. Last reviewed 21 October 2026 by Anderson Reed Financial Services Mortgage Desk (dated illustrations rather than a live lender feed or personalised offer). Actual interest rates, product fees, and loan-to-value limits vary by lender, property, and individual credit profile.

Your mortgage details

Adjust the sliders or type your details to update indicative rates, fees, and payments.

Estimated property value £300,000

Mortgage balance to refinance £200,000

Calculated Loan-to-Value (LTV): 66.7% LTV

Pricing Tier: 60%–75% LTV

Remaining mortgage term 25 years

Current interest rate or SVR 7.75%

Benchmark comparison assumes lender standard variable rate (7.75%).

Repayment method

Interest-only payments cover interest only; the mortgage balance does not reduce and requires an acceptable repayment strategy.

Enter your own fixed rates

2-year fixed rate (%)

5-year fixed rate (%)

Indicative fixed rate comparison

Side-by-side comparison based on your calculated 66.7% LTV.

Loan-to-Value exceeds standard remortgage criteria (>95% LTV)

Standard UK residential remortgage fixed rates are typically capped at 90% to 95% LTV. Borrowing exceeding 95% LTV (or negative equity) requires specialist lending structures or reviewing existing lender retention deals.

Speak directly to an Anderson Reed whole-of-market adviser to discuss your options on 02382 127779.

2-Year Fixed Rate Initial 24 mos

Illustrative fixed rate assumption

4.39%

Estimated monthly payment

£1,099.16

Save £411.83/mo vs SVR

2-year initial savings: £9,884

Repayment basis: Capital & Interest

Review window: Month 20–24

Why choose 2 years?

Flexibility to refinance sooner if UK interest rates drop, with shorter early repayment charge obligations.

5-Year Fixed Rate Lowest Rate

Illustrative fixed rate assumption

4.15%

Estimated monthly payment

£1,073.28

Save £437.71/mo vs SVR

5-year initial savings: £26,262

Repayment basis: Capital & Interest

Initial fixed period: 60 months (5 years)

Why choose 5 years?

Total peace of mind against base rate volatility, lower monthly payments, and avoiding having to pay a second round of remortgage product setup fees after year two.

Refinancing Analysis Summary:

Refinancing your £200,000 mortgage from your 7.75% SVR (£1,510.99/mo) to a 5-year fixed rate saves approximately £437.71 per month (£26,262 across the 5-year fixed period before fees). costs approximately ... more per month to secure 5-year fixed repayment certainty. The 5-year fix saves an additional £25.88/month compared to the 2-year fix.

Ready to secure a fixed rate?

Anderson Reed checks whole-of-market lenders and your existing provider.

Get personalised quote 02382 127779

Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative fixed rates shown are indicative market benchmarks based on UK residential whole-of-market products for properties in England and Wales (benchmark assumptions reviewed 21 October 2026). Individual rate eligibility, terms, fees, and maximum loan-to-value depend upon your complete circumstances, credit record, and property valuation. Calculator outputs are mathematical illustrations based on your inputs and are not a personalised mortgage recommendation or credit offer. Anderson Reed Financial Services is an independent whole-of-market mortgage broker providing personalised mortgage advice.

Your circumstances

Why might you review your mortgage?

Homeowners consider reviewing their mortgage for different reasons, including:

an existing fixed, tracker or discounted period is approaching its end;
the mortgage has already moved to the lender's reversion or standard variable rate;
they want to compare payment certainty with greater flexibility;
the property's value or outstanding balance has changed, affecting loan-to-value;
their income, expenditure, household or future plans have changed;
they want to review the remaining mortgage term or repayment method;
they are considering additional borrowing for a defined purpose; or
an interest-only mortgage or repayment strategy needs attention.

None of these reasons automatically makes remortgaging suitable. Early repayment charges, product fees, legal and valuation costs, affordability, property criteria and the remaining balance can all affect whether changing the mortgage is worthwhile.

Planning ahead

When should you start reviewing your deal?

Check your latest mortgage statement or offer for the deal-end date, outstanding balance, current rate, remaining term and any early repayment charge. Starting the review several months before the current deal ends can provide time to gather documents, compare routes and complete any application, although application and offer windows vary between lenders.

Starting early does not mean completing early. The timing should take account of any early repayment charge and when a new product can begin. If the current deal has already ended, a review can still compare the available options without assuming that an immediate switch is best.

Interactive timing planner • No contact details required

Check your fixed-rate expiry review window

Select the month and year your current mortgage deal ends (or indicate that it has already expired) to see what to check on your statement, how product transfers compare with switching lenders at your stage, and when to start.

Deal-end month

Deal-end year

My introductory or fixed deal has already ended (I am on my lender's reversion or Standard Variable Rate)

Or jump to a typical timeline stage:

Why there is no universal lender reservation window:

Every lender sets its own product-transfer window and remortgage offer validity period. Any quoted, illustrated, or applied-for rate remains subject to lender terms, underwriting assessment, property valuation, and offer conditions—never an automatic rate lock.

Active review window • Deal ended or expiring this month

Deal already ended or expiring this month (on or moving to reversion / SVR)

Early repayment charges on the expired product have usually ended. Compare an immediate product transfer with your current lender against a full remortgage to another lender (typically 4 to 8 weeks), weighing any SVR interest paid during transition against overall savings.

Product transfer vs. new lender: A rate switch with your existing lender can often complete rapidly with minimal legal work, whereas moving to a new lender requires valuation, full affordability underwriting, and conveyancing.
Documents to have ready: Latest mortgage statement showing current balance and SVR, recent payslips or tax calculations, and 3 months of bank statements.

Priority window • 2 month(s) remaining

Priority review window (1 to 3 months remaining)

Start your review immediately to reduce the risk of lapsing onto your lender’s Standard Variable Rate (SVR). Because a new-lender remortgage commonly takes 4 to 8 weeks for valuation, underwriting, and conveyancing, compare a product transfer alongside whole-of-market options right away.

Check your exact ERC end date: Confirm the exact calendar day your early repayment charge ceases so a new lender's solicitor does not complete early and trigger a charge.
Dual-track comparison: Check what retention products your current lender offers while checking whether a new lender offers lower total costs after arrangement, valuation, and legal fees.

Standard preparation window • 5 months remaining

Standard preparation & comparison window (4 to 6 months remaining)

Many UK lenders allow product transfers or remortgage applications between 3 and 6 months before a deal expires, although exact application and offer validity windows vary by lender. Reviewing now gives time to check your credit file, gather documents, and compare total costs without rushing.

What to check on your statement: Current mortgage balance, exact deal-end date, early repayment charge (ERC) expiry date, remaining term, and follow-on reversion rate.
Compare total costs: Use the total-cost comparison calculator above to weigh arrangement fees, cashback, and remaining balances across 2-year and 5-year options.

Early planning window • 9 months remaining

Early planning & ERC check window (more than 6 months remaining)

Switching away from a fixed rate more than 6 months early will often trigger an Early Repayment Charge (ERC). Check the exact ERC expiry date and tiered percentage on your mortgage offer now, or request a scheduled adviser callback for when your 6-month review window opens around .

When to act early: If you need to evaluate an early switch (factoring in your ERC in the calculator above) or want to prepare credit or self-employed accounts ahead of time, you can speak with an adviser now.
Optional callback request: Otherwise, request a diary callback from our team for when your 6-month review window opens.

Optional: request an adviser review or scheduled callback

How we handle your request: Remortgage review and callback requests are managed by the Anderson Reed Client Care & Mortgage Advisory Team (Case Manager Vikki D and CeMAP-qualified advisers Scott Davis & Nigel Kent). We respond within 1 working day during our published opening hours and log a diary callback if your deal is more than 6 months from expiry. We do not advertise automated continuous rate-locking; any product review or rate switch is carried out with you by an adviser and remains subject to lender availability and criteria at the time of application.

Request a remortgage review or callback Schedule a future 6-month window callback

Service review callbacks are separate from optional newsletter marketing and can be cancelled at any time by emailing info@andersonreed.co.uk or calling 02382 127779.

Comparing routes

Product transfer or remortgage to another lender?

Product transfer with the current lender

The mortgage remains with the existing lender but moves onto another product.
The process can be simpler because the lender already holds the mortgage.
Where payments are up to date and there is no additional borrowing, a product transfer may not require a full affordability assessment, although exceptions and lender rules apply.
Legal work and a new property valuation may be limited or unnecessary, depending on the lender and change requested.
The choice is limited to products made available by the current lender.

Remortgage to a different lender

The new lender replaces the existing mortgage.
It allows comparison with eligible products beyond the current lender.
The new lender will normally assess income, expenditure, credit history and the property under its current criteria.
A valuation and legal work are usually required, although some products include incentives or assisted services.
Product fees, valuation, legal costs, an exit fee or an early repayment charge may affect the overall result.

Homeowners comparing mortgage options with an adviser

End of Fixed Rate? How Anderson Reed Handles Your Rate Swap

Approaching the end of a 2-year or 5-year fixed rate can cause understandable anxiety. Homeowners frequently worry about being automatically moved onto an expensive Standard Variable Rate (SVR), undergoing intrusive affordability assessments if earnings have fluctuated, or getting bogged down in legal administration. We take that worry away with our dual-track rate switch service:

1. Whole-of-Market Scan First

3 to 6 months before your deal expires, we evaluate your existing lender's retention rates against eligible mortgage products across dozens of UK lenders, calculating total cost including arrangement and legal fees.

2. We Execute the Best Route for You

If a new lender offers verified overall savings, we manage the remortgage. If no better deal is available on the open market, we handle the rate swap directly with your existing lender on your behalf — with zero legal delays, minimal paperwork, and no hassle.

You gain the certainty that the entire market has been explored, without having to navigate lender portals or risk an expensive lapse onto variable rates.

The simpler route is not automatically the least expensive, and the lowest rate is not automatically the lowest-cost option. Compare both routes over a relevant period and account for every fee, charge and term change.

Current FCA consumer guidance explains that moving to a different lender will usually involve an affordability check, while some up-to-date borrowers staying with their lender may be able to switch products without one where they are not increasing the borrowing. Eligibility and exceptions apply. See FCA support for mortgage customers.

Looking beyond the rate

Compare the total cost, not only the interest rate

A lower rate can look attractive but may not produce a lower overall cost once fees and charges are included. A useful comparison should consider:

the monthly payment during the product period;
the product, arrangement or booking fee;
whether a fee is paid upfront or added to the mortgage;
interest charged on any fee added to the mortgage;
early repayment charges on the existing deal;
mortgage exit or administration fees;
valuation and legal costs;
cashback, free valuation or assisted legal services and their conditions;
the length of the new deal and any future early repayment charge;
overpayment allowances and other flexibility;
changes to the remaining mortgage term; and
the total amount payable over the comparison period and full term.

Extending the mortgage term may reduce the monthly payment but can increase the total interest paid. Shortening the term may increase the monthly payment and must remain affordable. Neither change is an automatic improvement; the right term depends on your monthly cash flow, retirement plans and long-term financial priorities.

Compare illustrative monthly payments

Explore the potential effect of mortgage overpayments

Check an indicative remortgage borrowing illustration

Homeowner discussing a residential property valuation

Value and equity

How property value and loan-to-value affect the review

Loan-to-value, usually shortened to LTV, compares the mortgage balance with the property's assessed value. As the balance is repaid or the property's value changes, the LTV can change too. This may affect which products and lenders are available.

An online estimate or estate-agent appraisal is not necessarily the value a mortgage lender will use. The new lender may arrange an automated, remote or physical valuation and apply its own criteria. If the valuation is lower than expected, the LTV and available options may change.

Having equity in a property does not by itself demonstrate that additional borrowing is affordable or suitable. Income, expenditure, credit commitments, property type, mortgage term and lender criteria remain important.

Your application

What information may affect your remortgage options?

Factors can include:

current mortgage balance and remaining term;
estimated property value and required loan-to-value;
income, employment status and evidence available;
regular expenditure and existing credit commitments;
credit history and recent missed payments;
age at application and at the proposed end of the term;
property construction, condition, tenure and remaining lease term;
the purpose and amount of any additional borrowing;
planned retirement or expected income changes; and
plans to move home during the next product period.

If income, employment or credit history has changed since the mortgage was originally arranged, disclose that at the start. It does not automatically mean that no route is available, but it may affect the lenders, products and evidence that can be considered. Where a homeowner is reviewing a deal or fixed-rate expiry during or after a formal debt arrangement, see our dedicated guidance on remortgaging and mortgages after an IVA and mortgages after bankruptcy. You can also check your credit report with Check My File.

Additional borrowing

Remortgaging to borrow more

Some homeowners consider increasing their borrowing for a clearly defined purpose, such as essential repairs or planned home improvements. Possible routes may include a remortgage with additional borrowing, a further advance from the existing lender, a second-charge mortgage or unsecured borrowing. These products work differently and may not all fall within the firm's permissions or service scope; refer to an appropriately authorised specialist where required.

Before increasing secured borrowing, consider:

why the money is needed and whether the cost is known;
the monthly payment and total amount repayable;
fees and any early repayment charge;
whether existing borrowing would move to a different rate;
the effect of spreading additional borrowing across a long mortgage term;
alternative ways to fund the work; and
whether the revised payment remains affordable if circumstances or rates change.

Homeowners planning improvements to their existing property

Energy-Efficient Homes & Retrofit Borrowing Reviewed 25 October 2026 by Nigel Kent, CeMAP • Next scheduled review: 25 January 2027

Green remortgages vs. borrowing to improve an existing home’s energy efficiency

UK lenders offer two distinct types of energy-efficiency mortgage products. Because eligibility rules, Energy Performance Certificate (EPC) requirements, and Loan-to-Value (LTV) limits differ sharply between lenders—and a green-labelled product is not automatically the lowest-cost option—it is important to separate the two routes before applying:

Route 1: Already Energy-Efficient Property

Purchasing or remortgaging an EPC A or B home

Designed for properties that already hold a high official energy rating on the government EPC register (England & Wales, Northern Ireland, or Scotland). Criteria vary by lender rather than applying uniformly across the market:

Lender example (checked October 2026): NatWest Intermediary Green Mortgages offer selected 2-year and 5-year fixed-rate residential purchase and remortgage products up to 85% LTV (and up to 75% LTV for buy-to-let) where the property holds a valid registered EPC rating of A or B.
Important EPC restrictions: Anticipated or proposed EPC ratings after planned building work and Predicted Energy Assessments (PEAs) are generally not accepted for standard EPC A–B products; a full lodged EPC must already be on the official register.
No universal EPC A–C rule: Do not assume every EPC A–C home qualifies or carries £1,000+ cashback—many lenders restrict green products strictly to EPC A or B and exclude shared equity or Help to Buy schemes.

Route 2: Retrofit & Upgrade Borrowing

Borrowing more to fund green home improvements

Designed for existing homeowners raising additional funds for qualifying retrofit works such as solar panels, battery storage, air-source heat pumps, cavity/loft insulation, double or triple glazing, or EV chargers:

Lender example (checked October 2026): Nationwide’s 0% Green Additional Borrowing allows existing Nationwide residential mortgage customers to borrow £5,000 to £20,000 at 0% fixed interest for 2 or 5 years with a £0 product fee up to 90% LTV, provided 100% of the loan funds eligible energy-efficient improvements.
Existing-customer & revert-rate rules: Green further advances are normally restricted to borrowers who already hold their main residential mortgage with that lender. Once the 2-year or 5-year promotional period ends, any remaining balance reverts to the lender’s standard follow-on rate unless switched or repaid.

Why a green-labelled product is not automatically the lowest-cost choice

A headline green rate discount, 0% further advance, or green cashback incentive does not guarantee lower overall borrowing costs or an increase in property value. If a lender’s main mortgage rate is higher than a whole-of-market alternative—or if arrangement fees, valuation costs, early repayment charges, or the revert rate after the initial fixed period outweigh the incentive—a standard residential product from another lender can be cheaper overall. Use our total-cost comparison calculator above or request an adviser-led review to compare both routes against your circumstances.

Editorial governance & update process: Lender product examples are dated illustrations maintained by the Anderson Reed Mortgage Advisory Team (owner: Nigel Kent, CeMAP) and rechecked quarterly or when lender criteria change. Product availability, cashback tiers, and LTV limits can be withdrawn or amended by lenders at any time; eligibility is never guaranteed and depends on full underwriting and property valuation. Also see our Buying a Home green mortgage guidance.

Important consideration

Think carefully before consolidating debts into a mortgage

Moving unsecured borrowing onto a mortgage changes the nature of the debt because it becomes secured against the home. A lower interest rate or monthly payment does not necessarily mean a lower total cost. Repaying the amount over a longer term can increase the total amount paid, and fees or early repayment charges may also apply.

The review must consider alternatives, the reason the debts arose, the full repayment cost and the risk of further borrowing. Someone experiencing problem debt should be directed to free, independent debt advice before adding those debts to a mortgage.

Future plans

What if you may move home soon?

If a move is likely during the next product period, consider early repayment charges, product portability and the cost of arranging a new deal now. A mortgage described as portable is not guaranteed to transfer to another property. Moving normally requires a new assessment of the applicants, borrowing and property under the lender's criteria at that time.

If additional borrowing would be needed for the move, it may be on a different product and end date. Compare the practical and total-cost implications before committing to a new remortgage deal.

Buying a home

Repayment strategy

Reviewing an interest-only mortgage

With an interest-only mortgage, the monthly payment normally covers interest rather than reducing the original capital. The borrower remains responsible for maintaining an acceptable plan to repay the balance at the end of the term.

A new lender is likely to assess both affordability and the proposed repayment strategy. If the existing strategy may not repay the balance, contact the lender and seek advice as early as possible. Do not rely on an assumed future property value, inheritance or investment performance.

What to expect

How the remortgage process works

1
Review the existing mortgage. Confirm the balance, current rate, deal-end date, remaining term, repayment method and any charges.
2
Clarify the objective. Decide whether the priority is payment certainty, flexibility, term review, additional borrowing or another need.
3
Compare meaningful routes. Consider an eligible product transfer alongside suitable new-lender options and compare total cost.
4
Complete the application. A new lender normally assesses the applicants, evidence and property under its criteria.
5
Valuation and legal work take place. The requirements depend on the lender and type of switch.
6
Review the mortgage offer. Check the rate, term, fees, early repayment charge, conditions and total cost before accepting.
7
Complete the switch. On a new-lender remortgage, the legal representative normally uses the new mortgage funds to repay the existing lender and registers the new charge.

Every remortgage has unique milestones — document readiness, property valuations, title checks, leasehold management packs and lender processing backlogs can all affect how quickly completion occurs. We recommend beginning your remortgage review 4 to 6 months before your existing deal expires.

Protection review

Review protection alongside the mortgage, not as an afterthought

A remortgage can be a sensible point to check whether buildings insurance and personal protection still reflect the mortgage, household responsibilities, income and existing cover. A change in mortgage does not automatically mean that existing protection should be cancelled or replaced.

Any protection recommendation must be based on needs, budget, eligibility and the terms of existing arrangements. Check potential loss of benefits, new exclusions, waiting periods or changes in premium before replacing cover.

Explore protection and home insurance.

Common questions

Frequently asked questions

What is the difference between a remortgage and a product transfer?

A remortgage replaces the existing mortgage with a mortgage from a different lender while you remain in the property. A product transfer moves the mortgage to another product with the current lender. The application process, choice, fees and assessment can differ.

How long does the remortgage process take from start to finish?

A standard new-lender remortgage generally takes between 4 and 8 weeks from initial agreement in principle to legal completion, allowing time for property valuation, underwriting, and conveyancing. An internal product transfer or rate switch with your existing lender is considerably faster, often taking just a few days with minimal legal paperwork. We recommend starting your review 3 to 6 months before your current fixed rate expires to lock in a deal ahead of time.

Can Anderson Reed handle my rate switch directly with my existing lender?

Yes. If our whole-of-market comparison shows that your current lender offers the most competitive retention deal—or if changes in your employment, income, or credit profile mean moving lenders is unsuitable—Anderson Reed can execute the rate swap / product transfer directly with your existing lender on your behalf, ensuring a smooth transition without the risk of slipping onto an expensive Standard Variable Rate.

How does free remortgage advice work?

We provide a fee-free initial consultation to review your existing mortgage terms, assess property equity, and search current whole-of-market options. We clearly disclose any broker arrangement fees before you proceed with a formal application, so you have complete visibility over total costs and savings before making any decision.

Will remortgaging always reduce my monthly payment?

No. The result depends on the new rate, remaining balance, term, fees, charges and any additional borrowing. A lower monthly payment can also result from extending the term, which may increase the total amount paid.

Can I remortgage before my current deal ends?

It may be possible, but an early repayment charge or other costs could apply. Review the mortgage terms and compare the cost of switching early with waiting until the existing deal ends.

Do I need another affordability assessment?

A new lender will normally assess affordability under its current criteria. Some eligible borrowers switching products with their existing lender and not borrowing more may not require a full affordability assessment, but lender rules and exceptions apply.

How is my property valued for a remortgage?

The lender decides the valuation method. It may use an automated, remote or physical valuation. The value used by the lender may differ from an online estimate or estate-agent appraisal, which can affect loan-to-value and product availability.

Can I borrow more when I remortgage?

Potentially, subject to affordability, property value, loan-to-value, purpose and lender criteria. Additional borrowing increases the debt secured against the home and should be assessed by monthly payment and total repayment cost.

Can I remortgage if my income or credit history has changed?

Possibly, but the available routes may differ. Disclose changed employment, income, expenditure, missed payments and other credit issues before applying so that appropriate criteria can be considered.

Is remortgaging appropriate if I plan to move?

It may or may not be. Consider early repayment charges, portability, the need for a new application when moving and whether additional borrowing will be required.

How Anderson Reed Financial Services can help

A Mortgage and Protection Advisor can review the existing arrangement, explain the difference between a product transfer and a remortgage, compare suitable options from the lenders available to the firm and help coordinate the application through to completion.

The starting point is a conversation about the current mortgage, property, household circumstances and future plans. We will explain what can be assessed, what evidence is needed and which next step is appropriate.

Get started Call 02382 127779

Meet our Mortgage and Protection Advisors

Editorial provenance & source verification Lender & rate examples

How this financial guidance is written, reviewed and kept accurate

Prepared by Anderson Reed Editorial Team and reviewed by Nigel Kent (CeMAP Qualified Adviser, Mortgage and Protection Adviser). Last substantive review: 15 October 2026.

Scope checked: Bank of England base rate context, 2-year vs 5-year fixed-rate total-cost illustrations, product transfer vs full remortgage rules, and green mortgage EPC criteria. Scheduled internal accuracy checks do not alter our published review date unless a material update to rules, rates or guidance is approved and published.

Read our editorial & AI policy Flag a mistake or suggest a correction

Primary official sources & regulatory references

Bank of England Official Bank Rate & Monetary Policy Summary Source: Bank of England
FCA Handbook: Mortgages and Home Finance Conduct of Business (MCOB) Source: Financial Conduct Authority
Find an Energy Certificate (EPC Register England, Wales & NI) Source: GOV.UK

Mortgage information

The information given in this website does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. The FCA does not regulate some forms of buy to let mortgages.

It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department, Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Anderson Reed and Anderson Reed Financial Services are trading names of Anderson Reed Financial Services Ltd, an Appointed Representative of Connect IFA Ltd, which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 441505) and is entered on the Financial Services Register under firm reference number 947349. Registered in England and Wales under number 13190705. Calls may be recorded for training and monitoring.

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