Mortgage Lenders

With the in-house experience of working for the FSA in the Bank and Mortgage Lender authorisation team combined with commercial bank and investment management real estate experience means we possess unrivalled expertise and knowledge to assist you in a time and cost efficient authorisation application. Understanding what the FCA requires from an applicant in terms of depth of information, corporate structure, policies and procedures, depth of management and an embedded culture of TCF.

We possess current experience of assisting clients to obtain FCA authorisation for regulated mortgage lending and are fully in tune with the regulatory environment post the Mortgage Market Review and the implementation of the Mortgage Credit Directive. Our clients in the sector range from short-term bridge finance providers to small regional lenders to long-established banks.

Competitive pressure is building in the sector with deposit funded lenders becoming increasingly active, reducing sector margins represents a serious threat to the long-term viability of lenders funded via HNWI's. Alternative funding solutions do exist though and we offer to work with our clients to achieve a sustainable future.

Whether you are seeking to obtain FCA approval for regulated mortgage lending including second charge mortgages or are an established authorised lender our range of services and experience are available to meet your needs in areas such as:

  • Compliance

  • Risk Mitigation Plan

  • Outsourcing

  • SIF interviews

  • Treating Customers Fairly

  • Authorisation

  • Funding Strategies

  • FSF preparation

  • Anti-Money Laundering

  • Capital Requirements

  • CRD

  • Variation of Permission

  • Arrears and Repossession Policies

  • Key Facts Illustration (KFI) / European Standard Information Sheet (ESIS)

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