Important information

1. Introductions only — not advice

Harbour Gate Partners provides marketing and introduction services only. Everything on this website, in our guide and in our conversations with you is general information. It is not financial, investment, tax, legal or mortgage advice, and it is not a personal recommendation. It does not take into account your circumstances, objectives or attitude to risk.

Before making any decision, you should take independent advice from suitably qualified and, where relevant, regulated professionals — for example a solicitor, a tax adviser and, if you need finance, an FCA-authorised mortgage broker.

2. Not authorised by the FCA

We are not authorised or regulated by the Financial Conduct Authority (FCA), and we never claim or imply that we are. Buying residential property, including buy-to-let and off-plan property, is generally not a regulated investment. This means you would not normally be able to complain to the Financial Ombudsman Service or claim from the Financial Services Compensation Scheme (FSCS) in relation to the property purchase itself.

3. No guarantees

• Property values can fall as well as rise. You could get back less than you paid.
• Rental income is not guaranteed. Properties can be empty, tenants can fail to pay, and costs such as service charges, ground rent, repairs, management fees, insurance, taxes and interest can rise.
• Past performance and forecasts are not a reliable guide to the future. We do not publish or promise yields, returns or capital growth figures.
• Property is a long-term, relatively illiquid asset — it can take a long time to sell, and selling costs money.
• If your home currency is not pounds sterling, exchange-rate movements can reduce the value of your investment and income in your own currency.

4. Off-plan property

Buying off-plan means committing to a property before it is built or finished. Additional risks include construction delays, changes to the specification or layout, the developer’s financial position, how your deposit is protected, and the possibility that the property is worth less at completion than the price you agreed. Ask your own solicitor to explain these before you pay any deposit.

5. Who your contract is with

If you decide to buy, your contract will be between you and the relevant developer, seller or service provider — never with us. We do not take, hold or handle your money. We are not responsible for the acts or omissions of developers, sales partners, letting agents or other third parties, though we choose our partners carefully.

6. How we are paid

We may receive a commission from our sales partner if a purchase you were introduced to proceeds. We do not charge you a fee for an introduction call. You should bear this in mind when considering anything we say. Wording to confirm — Sean

7. Overseas buyers and your local laws

This website is not an offer or solicitation in any country where that would be unlawful. If you live outside the UK, you are responsible for complying with the laws that apply to you — for example, in mainland China, rules on overseas investment and foreign exchange (including annual limits on converting and remitting funds abroad). Please take local advice. We do not help anyone move money in breach of local rules.

8. Accuracy and links

We try to keep information accurate and up to date, but laws, taxes and market conditions change, and we cannot guarantee that everything is complete or current. Example figures, quotes and testimonials marked “Sample” or “Placeholder” are illustrative only. Links to other websites are for convenience; we are not responsible for their content.

9. Law and jurisdiction

This website and these terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. Nothing here limits any rights you have that cannot be excluded by law.

10. Contact

Questions about this page: hello@harbourgatepartners.com.

本中文版本仅供参考；如与英文版本不一致，以英文版本为准。

1. 仅提供介绍——不构成建议

港门居介仅提供市场推广与介绍服务。本网站、我们的指南以及我们与您的沟通中所涉及的一切内容均为一般信息，不构成财务、投资、税务、法律或按揭建议，也不是个人推荐。这些内容并未考虑您的个人情况、目标或风险承受能力。

在作出任何决定之前，请向具备相应资质、并在适用情况下受监管的专业人士寻求独立意见——例如律师、税务顾问；如需融资，请咨询获 FCA 授权的按揭经纪。

2. 未获 FCA 授权

我们未获得英国金融行为监管局（FCA）授权，也不受其监管，且从不声称或暗示拥有授权。购买住宅房产（包括买房出租和楼花）一般不属于受监管的投资。这意味着就购房本身而言，您通常无法向金融申诉专员服务机构（FOS）投诉，也无法向金融服务补偿计划（FSCS）申请赔偿。

3. 不作任何保证

• 房产价值可升可跌。您收回的金额可能低于投入。
• 租金收入没有保证。房产可能空置，租客可能拖欠租金；物业服务费、地租、维修、管理费、保险、税费和利息等成本也可能上升。
• 过往表现和预测并不能可靠地反映未来。我们不发布、也不承诺任何租金回报率、投资收益或资本增值数字。
• 房产是一项长期且流动性较低的资产——出售可能需要较长时间，并会产生费用。
• 如您的本币不是英镑，汇率波动可能使您的投资和收入以本币计算时价值下降。

4. 楼花

购买楼花是指在房产建成或竣工之前作出购买承诺。额外风险包括施工延期、规格或户型变更、开发商的财务状况、定金的保障方式，以及交房时房产价值可能低于签约价格。在支付任何定金之前，请让您自己聘请的律师向您解释这些风险。

5. 您与谁签订合同

如您决定购买，合同将由您与相关开发商、卖方或服务方签署——绝不会与我们签署。我们不收取、不代管、也不经手您的任何款项。对于开发商、销售合作方、租赁代理或其他第三方的行为或疏失，我们不承担责任，但我们会审慎选择合作方。

6. 我们如何获得收入

如您经我们介绍后完成购买，我们可能会从销售合作方获得佣金。介绍通话不向您收取任何费用。在考虑我们所说的任何内容时，请将这一点纳入考量。措辞待 Sean 确认

7. 海外买家与当地法律

在任何构成违法的国家或地区，本网站均不构成要约或招揽。如您居住在英国境外，您有责任遵守适用于您的当地法律——例如在中国大陆，有关境外投资和外汇管理的规定（包括个人每年购汇及境外汇款的额度限制）。请咨询当地专业人士。我们不会协助任何人违反当地规定转移资金。

8. 信息准确性与外部链接

我们尽力确保信息准确、及时，但法律、税费和市场情况会发生变化，我们无法保证所有内容完整或最新。标注为“示例”或“占位内容”的数字、引述和评价仅作说明之用。指向其他网站的链接仅为方便您访问，我们不对其内容负责。

9. 适用法律与管辖

本网站及本声明受英格兰和威尔士法律管辖，英格兰和威尔士法院拥有管辖权。本声明不限制您依法不可被排除的任何权利。

10. 联系我们

如对本页内容有疑问，请发送邮件至 hello@harbourgatepartners.com。