Once you understand what you need, we can help you fine tune the chosen remedy with regard to saving tax and money. We believe that value-for-money is key when choosing financial products. Therefore all our recommendations are backed-up by extensive research to find the best possible individual solution.

Our emphasis is on impartial advice, not sales. Selling and miss-selling occurs when institutions sell what is profitable to them not what is necessarily best for the customer. We are not tied to any one provider so we can offer you:

	an unbiased, impartial and holistic approach
	value for money
	superior financial products

Minerva-FMA is an appointed representative of Sesame Ltd, the largest Independent Financial Adviser Network in the UK. Sesame Ltd is authorised and regulated by the Financial Services Authority. As independent advisers, our regulators require that we have a full understanding of your current circumstances before any recommendations are made.

At Minerva we provide a personal service tailored to suit you. So give us a call if you are thinking of:

	a new mortgage
	re-mortgage
	life assurance & critical illness cover
	financial protection for your family
	ill health cover
	savings or investing
	retirement planning

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

You can choose how we are paid for mortgage services; pay a fee (usually 0.5% of the loan amount) or we can accept commission from the lender; or a combination of research fee and commission from the lender. This will be discussed initially with you.