We have two terms of business which do not differ in terms of their cost to you but vary depending on whether you are receiving financial advice from another FCA authorised adviser alongside the transaction that we are advising you on. This happens are we are often selected by Mortgage Advisers and Independent Financial Advisers (IFA’s) to help them with their complex scenarios and it ensures that you, the client, remain clear about who is responsible for providing what part of the advice. If you do not have an existing protection, insurance, mortgage or investment adviser then our standard terms will apply (Standard Terms of Business). If you have been introduced to us through an FCA authorised adviser then the alternative terms apply (Referred by Your Adviser). Remember, there is no cost difference to you and if you have any doubts or questions just call our team.