The guide to mortgages has been written by Nia Williams, Editor of the leading consumer magazine "What Mortgage". Copyright Notice Unless otherwise acknowledged, all information contained in this guide is the copyright material of Network Data Limited. The information may not be modified or reproduced in whole or in part, including copying, photocopying, or storage of any nature, without the prior written permission of Network Data Limited. Disclaimer Whilst every care has been taken when producing the information in this guide no guarantee can be given as to its accuracy. Network Data Limited does not accept responsibility or liability for any special, incidental, consequential, indirect or punitive damages arising from the use of this information.