Commonly used abbreviations

APR	Annual Percentage Rate
CCA	Consumer Credit Act
CCJ	County Court Judgement
CIDD	Combined Initial Disclosure Document
ERC	Early Repayment Charge
FISA	Financial Industry Standards Association
FOS	Financial Ombudsman Service
FSA	Financial Services Authority
IVA	Individual Voluntary Arrangement
KFI	Key Facts Illustration
LTV	Loan to Value
PPP	Payment Protection Plan
SVR	Standard Variable Rate
TT	Telegraphic Transfer

Think carefully before securing other debts against your home. Consolidating debts in to one loan may cost more in the long term. Your home may be repossessed if you do not keep up repayments on your mortgage. The overall cost for comparison is 4.3% APR typical for mortgages and 18.1% typical for secured loans*. The actual rate available will depend on your circumstances. Ask for a personalised illustration. A broker fee is charged but only on completion and is typically £1,000 to £3,000. * Secured loans are not regulated by the Financial Services Authority