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Please remember that financial investments may rise or fall and past performance does not guarantee future performance in respect of income or capital growth; you may not get back the amount you invested.

There is no obligation to purchase anything but, if you decide to do so, you are strongly advised to consult a professional adviser before making any investment decisions.

As part of the measures announced by the Bank of England in 2014 to tighten mortgage-lending rules, borrowers have to undergo more stringent screening tests to ascertain their assets and ability to repay loans. This has the effect of eliminating ...