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Niche Advice Guide

Important Information & Risk Warnings

Payam Azadi Director – Specialist Finance Expert · 5 min read

Important Information & Risk Warnings

Your home may be repossessed if you do not keep up repayments on your mortgage.

Prescribed risk warning under FCA Handbook MCOB 3A.2.7R.

This page is the canonical reference for the mandatory financial-promotions disclosures applying to all video and social-media content published by Niche Advice Limited. Every YouTube, Instagram, Facebook, TikTok, and LinkedIn promotion published by the firm links here for the full risk warnings and regulatory information.

On this page

Firm details and FCA authorisation

Legal entity: Niche Advice Limited (brand: Niche)

Status: Authorised and regulated by the Financial Conduct Authority

Financial Conduct Authority FRN: 750263

FCA register: register.fca.org.uk — Niche Advice Limited

Permitted activities (high level): Credit broking; arranging regulated mortgage contracts; arranging non-investment insurance contracts.

Role: Niche Advice Limited is a credit broker. We do not lend money directly to clients.

General mortgage risk warning

Your home may be repossessed if you do not keep up repayments on your mortgage. This warning is prescribed under the FCA Handbook MCOB 3A.2.7R for any financial promotion relating to a regulated mortgage contract.

Think carefully before securing other debts against your home. As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.

The content of our videos does not constitute giving advice; it is purely designed for general information purposes only. Whether you qualify for a mortgage depends on your individual circumstances, and your case should be fully discussed with a professional mortgage broker before you apply.

Debt consolidation — additional warning

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

This additional warning (prescribed under MCOB 3A.2.10R) applies wherever our content discusses consolidating other debt — credit cards, personal loans, payday loans, secured loans, or any form of remortgaging to consolidate existing borrowing. Even if a lower monthly payment looks attractive, the total cost of borrowing over a longer term is usually higher.

What we are and are not regulated for

Regulated activities (FCA-supervised):

  • Residential regulated mortgage contracts
  • Consumer Buy-to-Let mortgages
  • Credit broking
  • Non-investment insurance contracts (mortgage protection, life cover, critical illness, income protection)

NOT regulated by the FCA (operationally provided by the firm but outside FCA supervision):

  • Some Buy-to-Let mortgages (most commercial / non-consumer BTL)
  • Commercial mortgages
  • Some Bridging Loan products
  • Development finance

The FCA does not regulate Commercial Buy-to-Lets, including some Bridging Loan products. The product literature provided by the lender at point of sale is the authoritative source on the regulatory status of any specific product.

Topic-specific notes

The firm produces educational content across the topics below. Each topic carries its own context that you should be aware of when interpreting any general information we publish.

Our compliance process

Niche Advice Limited maintains an active financial-promotions compliance programme, comprising:

  • A canonical on-creative disclaimer specification for all video content.
  • Standardised description disclaimer blocks (standard / debt consolidation variants) applied to every video published.
  • A master register of every promotion, retained for the minimum 6 years under FCA SYSC rules.
  • Independent verification of compliance status against published descriptions.
  • A documented going-forward production rule including pre-stream disclaimer slates for live broadcasts and channel-level compliance signals.
  • Quarterly review and attestation.

Full programme documentation is retained internally and can be produced for the FCA on request.

How to raise a concern

If you have a concern about any financial promotion or content we have published, please contact us:

Niche Advice Limited
📞 020 7993 2044
🌐 www.nicheadvice.co.uk

You may also escalate concerns to the Financial Ombudsman Service: financial-ombudsman.org.uk

Last updated: 11 May 2026 | Next scheduled review: 31 July 2026 | Version 1.0

This page is the canonical reference linked from all video descriptions and social-media promotions published by Niche Advice Limited. The wording of the prescribed risk warnings is taken verbatim from the FCA Handbook (MCOB 3A) and may be subject to revision if the regulatory wording changes.

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