Concept Financial Services Information

Financial Caveats to comply with promotional content: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. HM Revenue & Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A Lifetime Mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release. A Lifetime Mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release. Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries. Estate Planning, Commercial Lending and most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Concept Financial Services is a trading style of Delphic Financial Planning Limited, who are an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority - FCA No: 408285. Delphic Financial Planning Limited is registered with the FCA - No:486037 - 17 Hayes Way, Heritage Park, Cannock, WS11 7LT - Approved by The Openwork Partnership on 04/08/2026