FCA Mortgage Authorisation for Brokers and Lenders: Requirements, Capital, Fees and Timeline
FCA authorisation for mortgage brokers and lenders: home finance permissions, MCOB, MIPRU capital and PII, FCA fees of £2,820 or £11,260 and timelines.
Written and reviewed by the Regulatory Counsel team. Last reviewed: 19 October 2026.
The short answer
Anyone who arranges, advises on, lends under or administers regulated mortgage contracts in the UK must be authorised by the Financial Conduct Authority (FCA) under Part 4A of the Financial Services and Markets Act 2000 (FSMA). A mortgage broker can instead operate as an appointed representative of an authorised firm. A regulated mortgage contract is a loan to an individual or trustees secured by a first or subsequent mortgage on land where at least 40% of the land is used, or intended to be used, as a dwelling (RAO article 61).
The FCA fee for a mortgage broker is pricing category 4, currently £2,820. A home finance provider (a lender) or administrator pays category 6, currently £11,260. The FCA must decide a complete application within 6 months and an incomplete one within 12 months (FSMA s55V). A broker needs capital of at least the higher of £5,000 or 2.5% of annual income and professional indemnity insurance (PII) under MIPRU 3.2. A lender needs capital of at least the higher of £100,000 or its credit risk requirement plus 1% of total assets under MIPRU 4.2.23R.
The FCA assesses readiness to deliver good outcomes from day one: advice and affordability processes under MCOB, a Consumer Duty framework, senior managers with relevant experience and, for lenders, funding in place for the mortgage book for 12 months and operating costs for 36 months. We prepare each element so the application is complete on submission and moves on the FCA's statutory timetable.
Key facts at a glance
| Regulator | Financial Conduct Authority (FCA). Deposit-taking lenders are also authorised by the PRA; non-bank lenders and brokers are FCA solo regulated |
|---|---|
| Permission type | Part 4A permission under FSMA for home finance activities in RAO articles 25A (arranging), 53A (advising) and 61 (lending and administering) |
| Who needs it | Mortgage brokers and advisers, non-bank mortgage lenders, lifetime mortgage providers, third-party mortgage administrators and providers of other home finance products |
| Alternative route for brokers | Appointed representative of an authorised principal with home finance permissions |
| FCA application fee | £2,820 (category 4) for mortgage brokers; £11,260 (category 6) for home finance providers and administrators |
| Statutory decision period | 6 months from a complete application; 12 months for an incomplete application (FSMA s55V) |
| Broker capital | Higher of £5,000 or 2.5% of annual income; £10,000 or 5% where client money is held (MIPRU 4.2.11R) |
| Broker PII | MCD advisers and arrangers: EUR 460,000 per claim and EUR 750,000 per year in aggregate (MIPRU 3.2.9BR). Others: MIPRU 3.2.9R |
| Lender capital | Higher of £100,000 or the credit risk capital requirement plus 1% of total assets and undrawn commitments, less specified deductions (MIPRU 4.2.23R) |
| Lender funding expectation | Funding in place for the mortgage book for 12 months and for operating costs for 36 months, evidenced by signed heads of terms or equivalent |
| Conduct rules | MCOB (disclosure, advice, responsible lending, arrears) and the Consumer Duty (PRIN 2A) |
| Buy-to-let | Consumer buy-to-let is a separate registration under the MCD Order; fee £280 with Part 4A permission or £560 without |
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What is the FCA Mortgage Authorisation (Brokers and Lenders)?
FCA mortgage authorisation is the Part 4A permission a firm needs to carry on home finance activities in the UK. The Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (the RAO, the statutory list of regulated activities) makes it a regulated activity to arrange a regulated mortgage contract (article 25A), to advise a borrower on one (article 53A), to enter into one as lender and to administer one (article 61). Equivalent activities apply to home reversion plans, home purchase plans used for Islamic home finance, and regulated sale and rent back agreements.
A regulated mortgage contract is credit provided to an individual or to trustees, secured by a mortgage on land, where at least 40% of the land is used or intended to be used as or in connection with a dwelling by the borrower or a related person. Most residential mortgages and many second charge loans meet this test. Investment buy-to-let lending generally falls outside it and is covered by separate rules.
The permission is granted after the FCA assesses the firm against the threshold conditions, the minimum standards every authorised firm must meet. The detailed rules then come from MCOB (the Mortgages and Home Finance: Conduct of Business sourcebook), MIPRU for capital and PII, PRIN 2A for the Consumer Duty and SYSC for systems and controls. Carrying on home finance activity without authorisation or an exemption breaches the general prohibition in section 19 of FSMA, which is a criminal offence.
Who needs FCA Mortgage Authorisation (Brokers and Lenders)?
Any business that arranges, advises on, lends under or administers regulated mortgage contracts or other home finance transactions by way of business in the UK, unless it is an appointed representative or an exemption applies.
- - Mortgage brokers and advisory firms, including those leaving an appointed representative network to become directly authorised
- - Online mortgage brokers and digital platforms that arrange regulated mortgage contracts
- - Non-bank residential mortgage lenders and second charge lenders
- - Lifetime mortgage and equity release providers
- - Third-party mortgage administrators servicing loans for lenders or investors
- - Providers and arrangers of home purchase plans and home reversion plans
- - Lenders and arrangers of consumer buy-to-let mortgages, which register separately under the MCD Order
The most common misconception is that a mortgage lead generation website is outside regulation. Making arrangements with a view to a person entering into a regulated mortgage contract is itself a regulated activity under article 25A(2) of the RAO, so platforms that do more than pass on contact details often need permission. The perimeter analysis should be documented against the RAO and the FCA's Perimeter Guidance before launch. The second concerns lenders that fund through a third party. The FCA treats the firm that enters into the contract as lender, and any firm that notifies borrowers of changes or collects payments, as carrying on regulated activities. Funding partners, originators and servicers each need to know which of them holds which permission. The third concerns buy-to-let. Investment buy-to-let lending to landlords is generally not a regulated mortgage contract, but consumer buy-to-let, where the borrower did not buy the property as a business, requires registration under the MCD Order. The application should state clearly which buy-to-let products the firm will offer.
Which home finance activities need FCA authorisation?
- - Arranging regulated mortgage contracts (RAO article 25A(1)): bringing about a borrower entering into or varying a regulated mortgage contract
- - Making arrangements with a view to regulated mortgage contracts (article 25A(2)): introducing borrowers into a process that leads to a mortgage, which captures many online platforms
- - Arranging on behalf of a lender (article 25A(2A)): concluding contracts for a lender, as some packagers and platforms do
- - Advising on regulated mortgage contracts (article 53A): giving advice to a borrower on the merits of entering into or varying a particular contract
- - Entering into a regulated mortgage contract as lender (article 61(1)): the lending permission
- - Administering a regulated mortgage contract (article 61(2)): notifying borrowers of rate or payment changes and collecting or recovering payments
- - Equivalent activities for home reversion plans, home purchase plans and regulated sale and rent back agreements where the firm offers them
Directly authorised or appointed representative
The FCA states that mortgage brokers must either be authorised or become an appointed representative (AR) of a firm that has the relevant permissions. An AR carries on regulated activities under a contract with its principal, which takes regulatory responsibility for it. The principal must notify the FCA at least 30 days before the AR begins (SUP 12.7.1R), review the AR at least annually (SUP 12.6A.2R) and approve an annual self-assessment of its AR oversight (SUP 12.6A.6R).
Direct authorisation gives the firm its own lender panel, its own advice process and its own brand and growth plans. It also means the firm meets MIPRU capital and PII itself, carries its own Consumer Duty obligations and answers to the FCA directly. Brokers usually move to direct authorisation once their volume, adviser numbers or product range make network terms a constraint.
What the FCA expects from a mortgage broker application
- - A regulatory business plan stating the firm's aims, the full range of activities including unregulated ones, and why each permission is needed
- - How customers will be sourced, including introducers and lead generators, the due diligence on them, and any website or social media advertising
- - An organisation chart showing key staff, roles and locations, and the experience that qualifies each senior manager to lead an authorised firm
- - Where there are several advisers, including self-employed advisers, how they are paid and how their advice is overseen
- - The actual initial disclosure document the firm will give customers, or how it will otherwise meet MCOB 4.4A.1R
- - Financial forecasts, including the FCA's financial data template for mortgage brokers
- - Full and honest disclosures on Form A, including any removal from a lender or product provider panel
What the FCA expects from a mortgage lender application
The FCA publishes specific expectations for non-bank lenders, lifetime mortgage providers and third-party administrators. The most important is funding. The FCA expects funding for the mortgage book to be in place for 12 months and funding for operating costs for 36 months, supported where applicable by signed heads of terms or equivalent.
Forecasts must cover at least 3 years, and may run to 5. The summary should include a balance sheet, profit and loss account and cash flow under a stressed set of assumptions. The firm must also show it will use each permission within 12 months of authorisation, so the FCA does not grant permissions that sit unused.
The business plan must describe the products, distribution channels, customer journey, funding and revenue model, target market with evidence of research, staff incentives and training, introducers, financial promotions and whether the firm will act as a section 21 financial promotions approver.
Capital and professional indemnity insurance (MIPRU)
MIPRU is the FCA prudential sourcebook for mortgage and insurance intermediaries and for home finance providers. Capital resources are the firm's own funds held as a buffer against losses. Professional indemnity insurance pays claims arising from negligent advice or errors and applies to intermediaries.
| Firm type | Capital resources requirement | PII requirement |
|---|---|---|
| Mortgage broker, no client money | Higher of £5,000 and 2.5% of annual income (MIPRU 4.2.11R) | MCD adviser or arranger: EUR 460,000 per claim, EUR 750,000 aggregate per year (MIPRU 3.2.9BR) |
| Mortgage broker holding client money | Higher of £10,000 and 5% of annual income (MIPRU 4.2.11R) | As above, with a higher permitted excess |
| Home finance intermediary outside the MCD rules | As above | Higher of 10% of annual income up to £1 million and £100,000 per claim or £500,000 aggregate (MIPRU 3.2.9R) |
| Mortgage lender (regulated mortgage contracts) | Higher of £100,000 and credit risk capital requirement plus 1% of total assets and undrawn commitments, less specified deductions (MIPRU 4.2.23R) | Not required under MIPRU 3 |
| Administrator with all loans off balance sheet | Higher of £100,000 and 10% of annual income (MIPRU 4.2.19R) | Not required under MIPRU 3 |
| Lender or administrator also distributing insurance | Sum of the intermediary requirement and the lending or administration requirement (MIPRU 4.2.20R) | PII for the intermediary business |
The MCD (Mortgage Credit Directive) PII limits apply to mortgage advisers and arrangers unless they are also lenders carrying out direct sales only. The excess on a broker's PII must not exceed the higher of £2,500 or 1.5% of annual income, or £5,000 or 3% where client money is held, unless additional capital is held (MIPRU 3.2.11R to 3.2.14R).
The conduct rules: MCOB
- - Initial disclosure (MCOB 4.4A): telling the customer at the outset about the firm's service, range of lenders and how it is paid
- - Advised sales (MCOB 4.7A): advice must be suitable, based on the customer's needs and circumstances
- - Execution-only sales (MCOB 4.8A): the limited circumstances in which a mortgage can be sold without advice
- - Responsible lending (MCOB 11.6): lenders must assess affordability using evidenced income and expenditure, with interest rate stress testing
- - Arrears and repossessions (MCOB 13): fair treatment of customers in payment difficulty, including forbearance options
- - Product disclosure and illustrations, and the rules on financial promotions for home finance
Consumer Duty for mortgage firms
The Consumer Duty (PRIN 2A) has applied to products on sale since 31 July 2023. It requires firms to deliver good outcomes for retail customers in four areas: products and services, price and value, consumer understanding and consumer support.
For mortgage brokers, the FCA states it will review the processes that ensure recommended products are suitable, whether fees and charges are fair value, how the firm checks that lenders have assessed the value of their products, how communications such as suitability letters help understanding and are tested, how customers with characteristics of vulnerability are supported, and the management information used to monitor outcomes. The business plan should set this out in specific terms.
Lenders are manufacturers for Duty purposes and carry the product governance and fair value obligations for their mortgages, together with arrears and forbearance outcomes for borrowers in difficulty.
Senior managers, financial crime and governance
The Senior Managers and Certification Regime (SM&CR) requires the individuals running the firm to be approved by the FCA before they start. A sole trader is a limited scope SMCR firm; most mortgage brokers and lenders are core SMCR firms. Typical senior management functions are the chief executive (SMF1), executive directors (SMF3), the chair (SMF9) where there is one and, where the firm must have a compliance function, compliance oversight (SMF16).
Mortgage lenders are within the Money Laundering Regulations 2017, because lending, including credit agreements relating to immovable property, is a listed activity. They must assess their money laundering risk, apply customer due diligence, and appoint a nominated officer to receive and report suspicions, alongside an individual responsible for compliance with the Regulations where appropriate to the size of the business. Mortgage brokers whose business is mediation only generally sit outside the Money Laundering Regulations, and the FCA's money laundering rules in SYSC 6.3 do not apply to home finance mediation, but brokers must still have policies and procedures for countering financial crime under SYSC 6.1.1R.
Mortgage broker vs mortgage lender authorisation
The two applications share a legal framework but differ in fee, capital, funding and the depth of FCA scrutiny.
| Point of difference | Mortgage broker | Mortgage lender (home finance provider) |
|---|---|---|
| RAO activities | Arranging (art 25A) and advising (art 53A) | Entering into as lender and administering (art 61), often with arranging |
| FCA application fee | £2,820 (category 4) | £11,260 (category 6) |
| Statutory decision period | 6 months complete, 12 months incomplete | 6 months complete, 12 months incomplete |
| Capital | Higher of £5,000 or 2.5% of annual income (£10,000 or 5% with client money) | Higher of £100,000 or credit risk capital plus 1% of total assets, less deductions |
| PII | Required under MIPRU 3.2 | Not required under MIPRU 3.2 |
| Funding | Working capital in forecasts | Mortgage book funded for 12 months and operating costs for 36 months |
| Money Laundering Regulations | Generally outside scope; SYSC financial crime controls apply | Within scope; nominated officer and AML controls required |
| Key MCOB focus | Initial disclosure, suitability of advice, execution-only | Responsible lending, product governance, arrears and forbearance |
Directly authorised mortgage broker vs appointed representative
| Point of difference | Directly authorised | Appointed representative |
|---|---|---|
| Regulatory responsibility | The firm itself | The principal |
| How it starts | Part 4A application, decided within 6 months of a complete application | Principal notifies the FCA at least 30 days before the AR begins |
| FCA application fee | £2,820 | None for the AR |
| Capital and PII | Firm meets MIPRU itself | Principal's arrangements |
| Lender panel and products | Firm's own choice | As permitted by the principal |
| Oversight | FCA directly | Principal reviews at least annually and on trigger events |
Key requirements
Permissions and perimeter
Select the home finance activities the firm will carry on under RAO articles 25A, 53A and 61, for each product type, and confirm whether consumer buy-to-let registration under the MCD Order is also needed.
Capital resources (MIPRU 4.2)
Brokers: the higher of £5,000 or 2.5% of annual income, or £10,000 or 5% with client money. Lenders: the higher of £100,000 or the credit risk capital requirement plus 1% of total assets and undrawn commitments, less specified deductions.
Professional indemnity insurance (MIPRU 3.2)
For MCD mortgage advisers and arrangers, at least EUR 460,000 per claim and EUR 750,000 per year in aggregate, with excess limits under MIPRU 3.2.11R and 3.2.12R.
Funding for lenders
Funding for the mortgage book in place for 12 months and for operating costs for 36 months, evidenced by signed heads of terms or equivalent, with at least 3 years of forecasts and a stressed scenario.
MCOB and Consumer Duty
Initial disclosure, advice and execution-only processes for brokers; responsible lending, product governance and arrears handling for lenders; and a Consumer Duty framework with outcome monitoring for both.
People and governance
Senior managers approved under the SM&CR with relevant mortgage experience, complete and honest Form A disclosures, adviser oversight, introducer due diligence and, for lenders, Money Laundering Regulations controls and a nominated officer.
What does FCA mortgage authorisation cost?
The regulatory cost depends on whether the firm is a broker or a lender. The FCA fee, the capital requirement and, for brokers, the PII requirement are all set by published rules.
- - FCA application fee for mortgage brokers: £2,820 (pricing category 4), non-refundable and paid by card through Connect
- - FCA application fee for home finance providers and administrators: £11,260 (pricing category 6). Where an application spans several fee blocks, only the highest category is charged (FEES 3.2.2G)
- - Consumer buy-to-let registration: £280 for a firm that has or is applying for Part 4A permission, £560 for a firm without it
- - Capital: at least £5,000 for a broker (or 2.5% of annual income if higher); at least £100,000 for a lender (or the credit risk and asset-based calculation if higher)
- - Professional indemnity insurance for brokers at or above the MIPRU 3.2 limits
- - Annual FCA fees and levies: periodic fees, the Financial Ombudsman Service levy and the Financial Services Compensation Scheme levy, calculated each year
- - Professional fees: we quote a fixed fee once the scope is confirmed
The application process
Perimeter and structure
We map the business against RAO articles 25A, 53A and 61, decide between direct authorisation and the appointed representative route for brokers, and settle the roles of originator, lender, funder and administrator for lending models.
Funding and capital plan
For lenders we align the funding lines with the FCA's 12 month book and 36 month operating cost expectation, and calculate the MIPRU 4.2.23R requirement. For brokers we size capital and PII from projected income.
Regulatory business plan and forecasts
We draft the business plan to the FCA's published expectations for brokers or home finance providers, with forecasts, the stressed scenario for lenders and the financial data template for brokers.
MCOB processes and Consumer Duty evidence
We build the initial disclosure document, advice and suitability process, affordability and arrears policies, introducer due diligence and the Consumer Duty framework with its management information.
SM&CR and forms
We confirm the SMCR category, prepare Form A, statements of responsibilities and CVs, and complete controller, close links and significant events forms.
Submission and FCA assessment
We submit through Connect with the correct fee and manage all FCA questions. A complete application is decided within the 6 month statutory period.
The FCA must decide a complete mortgage broker or lender application within 6 months of receiving it, and an incomplete application within 12 months (FSMA s55V). Preparation runs on the firm's own timetable. For lenders, the critical path is usually the funding documentation; for brokers, it is the business plan, disclosure documents and advice process.
How long does FCA mortgage authorisation take?
Section 55V of FSMA requires the FCA to decide a complete application within 6 months of receiving it. The FCA may decide an incomplete application and must do so within 12 months. The shorter 3 month period for insurance distribution does not apply to home finance applications, including where a broker applies for mortgage and general insurance permissions together.
The FCA notes that it usually has questions or seeks clarification during assessment. It also states it will not review draft documents, so every document should be final and signed off on submission.
For lenders, funding is usually the item that sets the pace. Applications that arrive with signed funding terms, stressed forecasts and a clear plan to use each permission within 12 months answer the FCA's core viability questions at the outset.
Why applications fail, and how we prevent it
A business plan written for this firm
The FCA states that generic plans take longer. Strong plans set out each product, channel, introducer, adviser and revenue line, and explain why every permission is needed.
Funding evidenced, not described
For lenders, signed heads of terms or equivalent showing 12 months of book funding and 36 months of operating cost funding give the FCA a clear answer on viability and on whether permissions will be used within 12 months.
Customer documents in final form
The FCA asks to see the actual initial disclosure document and expects final, signed documents. Submitting finished customer-facing material lets the FCA assess the customer journey directly.
Complete Form A disclosures
The FCA asks for full information on every disclosure, including removal from any lender or provider panel. Complete disclosure on the first submission keeps the fit and proper assessment straightforward.
What strong mortgage applications have in common
- - They define who is the lender, who arranges, who advises and who administers in every product flow, including where a third party funds the book
- - They describe customer sourcing in full: introducers, lead generators, websites and social media, with the due diligence applied to each
- - They submit the actual initial disclosure document and suitability letter templates, not descriptions of them
- - They show how fees and charges are fair value and how the firm checks lender value assessments, in line with the Consumer Duty
- - For lenders, they evidence funding against the FCA's 12 month and 36 month expectations and include a stressed set of financial statements
- - They apply for consumer buy-to-let registration alongside Part 4A permission where the product range includes it
- - They give full Form A disclosures, including any panel removals, at first submission
How we help
Broker and lender authorisation
Perimeter analysis, permission selection, business plan, forecasts, funding evidence and FCA correspondence through to the decision notice.
MCOB and Consumer Duty build
Initial disclosure, advice and suitability processes, responsible lending and arrears policies, and the Consumer Duty framework with outcome monitoring.
Ongoing compliance
File reviews, Consumer Duty reporting, SM&CR certification, appointed representative oversight and regulatory returns after authorisation.
Regulatory Counsel obtains licences and runs compliance across 65+ jurisdictions. For mortgage brokers and lenders we prepare the complete FCA application, align it with funding and lender arrangements, and support the firm after authorisation. We answer every enquiry the same business day with a written proposal and quote a fixed fee once the scope is confirmed.
Related licences
FCA Insurance Intermediary Authorisation
Permissions for brokers and MGAs, often added alongside mortgage permissions for protection and home insurance.
FCA Consumer Credit Authorisation
Permissions for unsecured lending, credit broking and loans outside the regulated mortgage contract definition.
UK Banking Licence
PRA and FCA authorisation for lenders that fund mortgages from retail deposits.
Frequently asked questions
Apply to the FCA for Part 4A permission through Connect for arranging and advising on regulated mortgage contracts. You need a regulatory business plan, financial forecasts including the FCA financial data template for mortgage brokers, your actual initial disclosure document, Form A for each senior manager and evidence of how you will meet the Consumer Duty. The fee is £2,820.
The FCA must decide a complete application within 6 months and an incomplete application within 12 months (FSMA s55V). The FCA usually asks questions during assessment, so final documents and full disclosures on submission keep the process within the statutory period.
The FCA application fee is £2,820 (pricing category 4). You also need capital of at least the higher of £5,000 or 2.5% of annual income, professional indemnity insurance meeting MIPRU limits, and annual FCA fees and levies once authorised.
Apply for permission to enter into and administer regulated mortgage contracts under RAO article 61. The fee is £11,260. The FCA expects funding for the mortgage book for 12 months and operating costs for 36 months, at least 3 years of forecasts with a stressed scenario, capital under MIPRU 4.2.23R and a plan to use each permission within 12 months.
Under MIPRU 4.2.23R, a lender of regulated mortgage contracts must hold the higher of £100,000 or the sum of its credit risk capital requirement and 1% of its total assets plus undrawn commitments, less specified deductions. Deposit-taking lenders are also subject to PRA requirements.
Mortgage advisers and arrangers within the MCD rules need at least EUR 460,000 per claim and EUR 750,000 per year in aggregate (MIPRU 3.2.9BR). The excess must stay within the MIPRU limits of the higher of £2,500 or 1.5% of annual income, or £5,000 or 3% with client money, unless extra capital is held.
An appointed representative works under a principal's permissions and can start once the principal notifies the FCA at least 30 days ahead. Direct authorisation gives you your own lender panel, processes and brand, and you meet capital, PII and Consumer Duty obligations yourself. Brokers usually move to direct authorisation as they grow.
Investment buy-to-let lending to landlords is generally not a regulated mortgage contract. Consumer buy-to-let, where the borrower did not buy the property in the course of a business, requires registration under the MCD Order. The fee is £280 for a firm with or applying for Part 4A permission and £560 for a firm without.
Often yes. Making arrangements with a view to a person entering into a regulated mortgage contract is a regulated activity under RAO article 25A(2). A website that does more than pass on contact details, for example by collecting financial information or steering customers to particular products, should take a documented perimeter view before launch.
Yes. The FCA states it will review how brokers ensure recommended products are suitable, whether fees are fair value, how they check lender value assessments, how suitability letters aid understanding, how vulnerable customers are supported and what management information is used to monitor outcomes.
Mortgage brokers whose business is mediation only generally fall outside the Money Laundering Regulations 2017, and the FCA's SYSC 6.3 money laundering rules do not apply to home finance mediation, so a separate MLRO is not usually required. Brokers still need financial crime policies under SYSC 6.1.1R. Mortgage lenders are within the Regulations because lending is a listed activity, and must appoint a nominated officer.
Yes. Many brokers apply for home finance and non-investment insurance permissions together. The fee is a single category 4 fee of £2,820 because only the highest category applies, but the application then carries the 6 month statutory period rather than the 3 month period for insurance distribution only.
Primary sources
The requirements, fees and timeframes on this page are taken from the following primary regulatory and legislative sources. Rules change, and firms should confirm the current position before relying on any figure.
- FCA: Apply to become a mortgage broker
- FCA: Apply to become a home finance provider
- FCA: Authorisation and registration application fees
- FCA: How to apply for authorisation or registration
- FSMA 2000 section 55V: determination of applications
- Regulated Activities Order 2001 article 61: regulated mortgage contracts
- Regulated Activities Order 2001 article 25A: arranging regulated mortgage contracts
- Regulated Activities Order 2001 article 53A: advising on regulated mortgage contracts
- FCA Handbook MIPRU 3.2: professional indemnity insurance
- FCA Handbook MIPRU 4.2: capital resources requirements
- FCA Handbook MCOB 11.6: responsible lending
Last reviewed by the Regulatory Counsel team on 19 October 2026.