Lending

Fixed Rate Warning

You may have to pay charges if you pay off a fixed rate loan early.

Variable Rate Warning

The cost of your monthly repayments may increase – If you do not keep up your repayments you may lose your home.

Consolidated Debt Warning

This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

Interest Only Warning

The entire amount that you have borrowed will still be outstanding at the end of the interest only period

Endowment Mortgage

There is no guarantee that the proceeds of the insurance policy will be sufficient to repay the loan in full when it becomes due for repayment.

Early Surrender

In the event of early surrender of the life insurance policy, in respect of an endowment mortgage, the possibility exists that the insurance proceeds could be less than you have paid in premia and other charges

Savings & Investments

Past Performance Warning

Past performance is not a reliable guide to future performance

Simulated Performance Warning

These figures are estimates only. They are not a reliable guide to future performance of this investment.

Fluctuating Performance Warning

The value of your investment may do down as well as up.

Fluctuating Income Warning

The income you get from this investment may go down as well as up.

Currency Risk Warning

This (product/service) may be affected by changes in currency exchange rates.