It can often be difficult to get an appointment at your Bank or Building Society to see a mortgage adviser. We are available at a time that suits you and will provide straight-forward, clear advice. Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Apple Mortgages is an appointed representative of Julian Harris Mortgages Ltd which is authorised and regulated by the Financial Conduct Authority, No. 304155. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk. Initially we offer a free consultation and if any fees were to be applicable to you they would be clearly explained during the free consultation. Every mortgage discussed would be assessed on two considerations: the mortgage amount and the complexity of the individual circumstances. This fee would never be more than £395 and payable only on an application being submitted.