The Financial Conduct Authority (FCA) is an independent regulator set up by the Government to look after the financial services industry and protect customers.

What this means is that we must follow the rules laid down by the FCA in respect of how we arrange and look after your mortgage.

Mortgage regulation will affect you if you are currently in the process of applying for a mortgage or further loan with us.

We only offer our own mortgages and we can provide two levels of service to help you choose the most suitable mortgage for you.

  • We can assess your need and provide advice and recommendations on the most suitable mortgage product for you.
  • We can ask you some questions and provide information on one or more mortgage products, so you can make your own choice.

For more information about the FCA or mortgage regulation, you can visit their website at

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.