What is a mortgage broker?

A mortgage broker acts as an intermediary between you and lenders, helping you find the best mortgage rates and terms.

How do I get pre-approved for a mortgage?

To get pre-approved, you'll need to provide financial documents like pay stubs, tax returns, and bank statements to a lender or mortgage broker.

What is the difference between a fixed-rate and adjustable-rate mortgage?

A fixed-rate mortgage has an interest rate that stays the same throughout the loan term, providing predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, which means your payments could go up or down.

EBC Review - Forex Broker Rating 8.8/10

EBC Review - Forex Broker Rating 8.8/10 | CAIZHIW FX

Is EBC Safe?

Generally Safe

Based on our analysis, here are the key safety considerations:

•EBC Financial Group’s strongest regulatory credential lies in its FCA (UK) license, classified as Tier-1 regulation, providing clients with segregation of funds, a £85,000 FSCS compensation scheme for retail clients, and the highest regulatory standards, all of which substantially reduce counterparty risk for UK-based professional traders.
•All client funds are segregated across EBC’s entities, reducing the risk of client money misuse, but only the SVG entity offers negative balance protection, which means clients under FCA and CIMA entities lack guaranteed protection against losses exceeding deposits, an important consideration in volatile markets.
•The broker enhances fund security with private insurance from Lloyd’s of London and membership in the Financial Commission, offering an extra layer of compensation up to €20,000 per complaint, mitigating insolvency risks despite weaker offshore regulatory regimes.
•EBC Financial Group’s operational history of four years and medium size (200-500 employees) reflect a stable but relatively new market presence; its transparency on fees, regulation, and corporate information fosters investor confidence but calls for cautious optimism due to limited industry tenure.
•The maximum leverage offered varies significantly — 1:100 for FCA-regulated clients, which aligns with conservative risk controls, and up to 1:500 for offshore clients under CIMA and SVG, amplifying profit potential but raising risk exposures considerably.
•While EBC Financial Group demonstrates good financial protections and regulatory compliance in the UK, the offshore entities’ Tier-3 or unregulated status presents heightened counterparty risk, which investors must weigh carefully when choosing their jurisdiction.
•The absence of negative balance protection for FCA and CIMA accounts exposes traders to the risk of losses beyond their capital, a critical risk management gap compared to other FCA brokers who typically provide it.
•Segregation of client funds is uniformly maintained across all EBC entities, which is a positive structural safeguard ensuring broker insolvency does not directly threaten trader capital.
•The broker’s transparent presentation of legal documents, fees, and regulatory details enhances trust, making it easier for investors to perform due diligence and understand their protections and obligations clearly.
•EBC Financial Group’s insurance policies with Lloyd’s of London serve as a rare and valuable protective mechanism that can reimburse client losses beyond regulatory compensation limits in extreme scenarios, bolstering overall fund security.

EBC

Regulatory License

Account Information

Why Choose EBC

Key Point 1

Key Point 2

Key Point 3

Key Point 4

Key Point 5

Key Point 6

Key Point 7

Advantages

Disadvantages

Broker Details

More Brokers

Resources

Legal

Support