When a Second Charge Mortgage Fits the Advice Process

When a Second Charge Mortgage Fits: A second charge mortgage is not simply another way to raise money. It is one possible outcome of a wider advice process. For mortgage advisers, the technical question is not whether a second charge is available. The question is whether it produces a suitable outcome after the costs, risks and […]

Consumer Duty and Buy-to-Let: Where Regulation Changes

Consumer Duty and Buy-to-Let: Buy-to-let advice can sit on either side of a regulatory boundary. The property may look the same. However, the borrower’s purpose, circumstances and intended occupation can change the regulatory treatment. For mortgage advisers, the first technical task is therefore classification. The file must show what type of transaction is being arranged […]