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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


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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?

What Do They Charge?

Paying Fees Versus Commission

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 direct

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Types of UK Mortgages

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Where to Get Your Mortgage

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Guide to Buying Home in the UK

Guide to UK Home and Mortgage Insurance

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