The Mortgage Code
On 31st October 2004 The Mortgage Code Compliance Board ceased to exist. After this date,  the Financial Services Authority became responsible for regulating the activities of lenders and intermediaries with new statutory rules being  published in relation to selling and promoting first mortgages secured on a borrower's home. Transitional information is available from the Financial Ombudsman Service.

Financial Services Authority
The role of the Financial Services Authority (FSA) is to govern financial advisers and ensure they comply with their rules and regulations. Should you wish to check the authorisation of a Financial Adviser you can do so on the FSA website. Click Here.  The FSA now also regulate mortgages, mortgage protection, and general insurance.

INDEPENDENT FINANCIAL ADVISER
Independent Financial Advisers, unlike many other advisers, are not tied to a specific lender or life assurance company. They research the market place for the most competitive mortgages and or life policies that meet YOUR requirements. Look for the IFA logo to be certain of independent advice.

The Financial Ombudsman Service provides consumers with a free, independent service for resolving disputes with financial firms

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT