Mortgage Advisers
FCA Authorisation
Expert regulatory support for mortgage advisers, brokers, and intermediaries seeking FCA authorisation for mortgage and home finance activities.
Mortgage Regulation Landscape
Mortgage advisers provide advice and arrange regulated mortgage contracts, home purchase plans, and equity release products for consumers.
The FCA's MCOB sourcebook sets comprehensive requirements for mortgage advice, including affordability assessments, clear disclosure, and suitability.
FCA authorisation requires demonstrating appropriate qualifications (CeMAP), professional indemnity insurance, and robust suitability frameworks.
Typical Services
- Residential mortgage advice and arrangement
- Buy-to-let mortgage broking
- Equity release and lifetime mortgages
- Protection insurance alongside mortgages
Key Regulatory Requirements
Professional Qualifications
- CeMAP (or equivalent) qualification
- Appropriate mortgage knowledge
- Continuing professional development
- Competence assessments
Mortgage Advice Process
- Affordability assessments
- Suitability reports
- Disclosure of fees and commissions
- Clear client communications
MCOB Compliance
- Key Facts Illustration (KFI) provision
- Initial disclosure documents
- Product transfer guidance
- Vulnerable customer support
Financial Resources
- Base capital: £20,000 (MIPRU firms)
- PI Insurance: minimum £1.6m
- Adequate working capital
- 3-year financial projections
Related Services
Expert support for mortgage advice firms
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