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Mortgage Guide
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Finding your Mortgage
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Who regulates Mortgage Brokers?
As from October 2004 the Financial Services Authority (FSA) took over the regulation of Mortgage Brokers. This was part of the general shake up in UK financial services following the various scandals that arose from allowing the “professionals” to police themselves.
All Mortgage Brokers must either be authorised by the FSA to provide mortgage advice or be appointed representatives of an authorised firm.
Note that if you take mortgage advice from a firm or individual that is not authorised, you will not have access to compensation or redress from the Financial Ombudsman Service (see below Complaining about Mortgage Brokers) if the advice you are given is unsuitable or inaccurate.
How to check up on a Mortgage Broker
The FSA have a register of Mortgage Brokers. http://www.fsa.gov.uk/register/
All you have to do is type in the name of the firm or the Firm Reference Number.
Complaining about Mortgage Brokers
If
you have a complaint about a Mortgage Broker, you should
first attempt to sort it out with the firm. See the
FSA
general guidelines on complaining about any financial
service / firm at
http://www.fsa.gov.uk/consumer/02_HOW/complain/mn_complaint.html
and more specifically at
http://www.fsa.gov.uk/consumer/02_HOW/Complain/mn_Ihaveacomp.html
If that fails you can take up the matter with the Financial Ombudsman Service.
Financial
Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Tel 0845 080 1800
www.financial-ombudsman.org.uk
To read more on this subject please see the list below or your mortgage guide or your home buying guide
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More About UK Mortgage Brokers
What Type Of Mortgage Advisers / Brokers Are There?
Which Type of Mortgage Broker Is Best For You?
How Do I Find A Mortgage Broker?
Questions To Ask Your Mortgage Broker
Mortgage Broker Qualifications
Who Regulates Mortgage Brokers?
How To Check Up On A Mortgage Broker
Complaining About Mortgage Brokers
The new regulations – an overview
Read On about How to Find your Mortgage
Going
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Broker
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through an Estate Agent
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through other websites
Read On / Mortgage Guide
Choosing
Your Mortgage
Types of UK Mortgages
Remortgaging
Where to Get Your Mortgage
Getting Mortgages in Principle
Read On
Guide to Buying Home in the UK
Guide to UK Home and Mortgage Insurance
Read more about Finding Your Mortgage
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See contents of Full Mortgages Guide
or
See contents of Home Buyers Guide
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Going
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Going through
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Going
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Going
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How to get a Mortgage
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Mortgage
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How
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Types of Mortgage
Where to Find Your Mortgage
Getting a Mortgage in Principle
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