Risk warnings & disclaimer
Last updated 10 August 2026
General disclaimer
The information provided on this website, document or communication is for general informational purposes only. It does not constitute personalised wealth planning, investment, mortgage, insurance, real estate or business finance advice, and should not be construed as a recommendation to buy, sell or proceed with any specific product, service or provider.
It does not take into account your particular financial situation, objectives or risk tolerance, and should not be relied upon as the basis for any decision.
Wealth and investment planning
All investments carry risk, including the possible loss of principal. The value of investments and any income from them can fall as well as rise, and you may get back less than you originally invested. Past performance is not a reliable indicator of future results.
Any tax treatment referred to depends on your individual circumstances and may be subject to change in the future. Personalised advice is only provided following a full assessment of your circumstances and objectives, and should be sought before acting on any of the general information contained here.
Mortgages
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Rates, fees and terms vary by lender and product, and are not guaranteed until formally confirmed.
Rai Wealth Management works under a Contract for Services Agreement with Maystone Capital Ltd, which is directly authorised by the Financial Conduct Authority under reference number 758412. Where a product may be offered by a packager, or where we need an introducer, your loan requirement may be referred to another provider of services in agreement with you.
Personalised advice is only provided following a full assessment of your circumstances, and should be sought before entering into any mortgage agreement.
We also provide bridge finance solutions via Daksfirst — which operates as an Appointed Representative of Maystone Capital Limited, authorised and regulated by the Financial Conduct Authority, FRN 758412, AR registration 937220 — or through other bridge lenders we work with. This may include private lenders, overseas lenders, other bridge lenders and funds that can support such requests. We also provide solutions for commercial property finance. Such funding arrangements are not regulated by the FCA.
Insurance
All insurance products are subject to the terms, conditions and exclusions set out in the relevant policy documentation, which should be read carefully before purchase. Cover, premiums and claims outcomes are not guaranteed and depend on accurate disclosure of relevant information; failure to disclose may invalidate a policy.
Rai Wealth Management may receive commission from providers for arranging cover, details of which are available on request. Personalised advice is only provided following a full assessment of your circumstances, and should be sought before purchasing any insurance product.
Where we are unable to provide a solution ourselves, we may refer you to a preferred service provider. In such circumstances, Rai Wealth Management may receive a fee from the service provider.
Real estate
All property investments carry risk, including the possible loss of capital. Property values can fall as well as rise, and property is an illiquid asset that may take time to sell. Rental income and capital growth are not guaranteed.
Independent legal and surveying advice should be obtained before any property transaction, and personalised advice should be sought before acting on any of the general information contained here.
We may be able to introduce you to real estate investment opportunities in the UK or overseas. Should you proceed to acquire a property, we may receive a commission for the sale or purchase. We may also be able to help with the sale of a real estate property in the UK or overseas; should you proceed to sell the property, we will charge a fee for the sale or purchase. Such fees will be agreed upon in advance.
Business finance
All business finance carries risk. Lending is subject to individual lender criteria and approval is not guaranteed. Rates, fees and terms vary by lender, and personal guarantees, where required, may carry personal liability.
We will assist your business with standard commercial loans, commercial mortgages, working capital lines, factoring, invoice discounting and general asset leasing. These are provided strictly to limited companies or large partnerships (four or more partners) and are generally unregulated.
Rai Wealth Management may receive a fee or commission from lenders for introducing such business finance. Personalised advice is only provided following a full assessment of your circumstances, and should be sought before entering into any finance agreement.
Regulatory information
Rai Wealth Management Ltd is registered as a private limited company in England and Wales, under registration number 12318787. Its registered office is 6 Westholme Gardens, Ruislip, HA4 8QJ, United Kingdom.
It operates under a Contract for Services Agreement with Maystone Capital Ltd, which is directly authorised by the Financial Conduct Authority under reference number 758412. Rai Wealth Management Ltd is not directly authorised and is not an Appointed Representative; all regulated activities are undertaken by Maystone Capital Ltd.
Rai Wealth Management Ltd is the data controller of any personal data you provide to us, or which is processed in connection with the products and services we provide to you. Rai Wealth Management Ltd is registered with the Information Commissioner's Office, under reference number ZA759299. How that data is handled is set out in our privacy notice.