Information About Our Mortgage, Insurance, and Commercial Finance Services
Last reviewed: October 2025
KEY FACTS (QUICK SUMMARY)
- We provide independent, whole-of-market advice on mortgages, insurance, bridging finance, commercial finance, and business protection.
- We do not offer second charge lending.
- We charge a broker fee, clearly disclosed before any application.
- We may receive commission from lenders or insurers.
- Your data is kept secure and never sold — see our Privacy Notice.
- If you’re unhappy, you can make a complaint.
- We are authorised and regulated by the Financial Conduct Authority (FCA).
1. OUR SERVICES
RESIDENTIAL REGULATED MORTGAGES
If you are borrowing against a property that you or a family member will live in, this is a regulated mortgage. We will assess your circumstances and make a personal recommendation on the most suitable mortgage product for you.
We provide advice on first charge regulated mortgages only. We do not offer or arrange second charge lending. If a second charge mortgage is more suitable, we will inform you and refer you to a regulated specialist.
CONSUMER BUY TO LET (CBTL) AND UNREGULATED BUY TO LET (BTL)
For properties you intend to let out, the mortgage will usually be CBTL or BTL. We will provide advice and make a recommendation after assessing your situation. We do not provide investment advice on whether the property will be a profitable purchase.
BRIDGING FINANCE
We can arrange short-term bridging finance for residential, commercial, or mixed-use properties. This type of finance can be used to:
- Purchase a property quickly before long-term finance is arranged
- Fund refurbishments or conversions
- Prevent a property chain from breaking
Bridging loans are short-term and interest-only with higher costs than standard mortgages. We will clearly explain all fees, rates, and repayment implications before you proceed.
Please note: Bridging finance is not normally regulated by the FCA unless it is secured on a property that you or an immediate family member occupy or intend to occupy.
COMMERCIAL FINANCE
We arrange commercial mortgages and business finance for limited companies, partnerships, and sole traders. This may include:
- Mortgages for owner-occupied or investment commercial property
- Business loans, refinance, and asset finance
- Development and refurbishment funding
Commercial finance is generally unregulated by the FCA. We will explain when a product is unregulated and clarify your rights and available protections.
Where a product is unregulated, you will not have access to the Financial Ombudsman Service (FOS) or Financial Services Compensation Scheme (FSCS) for that finance.
PROTECTION INSURANCE
We advise on a wide range of personal and business protection products to help safeguard individuals, families, and businesses against financial loss. We act as an independent intermediary and make recommendations based on a fair and personal analysis of the market.
We can advise on:
- Life Insurance
- Critical Illness Cover
- Income Protection
- Family Income Benefit
- Non-Profit Whole of Life Insurance
- Business Protection, including:
- Key Person Insurance
- Shareholder or Partnership Protection
- Relevant Life Cover
- Private Medical Insurance (PMI) — for individuals, families, and businesses
Business protection and private medical insurance are usually non-investment insurance contracts, which are regulated by the FCA. We will always confirm the status of the product and ensure you understand the cover, exclusions, and cost before you proceed.
BUILDINGS & CONTENTS INSURANCE
We can provide advice and a personal recommendation after assessing your needs.
Where appropriate, we may refer you to a trusted insurance partner.
2. THE PRODUCTS WE OFFER
MORTGAGES
We are a whole-of-market intermediary and can offer a comprehensive range of mortgage products from across the market, including:
- First charge regulated mortgage contracts
- Consumer Buy to Let and Unregulated Buy to Let mortgages
- Bridging and short-term lending solutions
- Commercial mortgages and business lending
We do not offer second charge lending and will refer you to a regulated specialist if this is the right option for you. We do not offer products that are only available directly from lenders.
If you are looking to increase your borrowing, we may discuss other options such as:
- Further advances from your existing lender, or
- Unsecured loans.
We will advise if these options are appropriate.
INSURANCE
We recommend insurance products based on a fair and personal analysis of the market. This includes advice on personal and business protection, term assurance, critical illness, whole-of-life, family income benefit, income protection, and private medical insurance.
For buildings and contents insurance, we recommend from a select panel including Ageas, Allianz, AXA, bspoke Underwriting, Covéa, Integra, and RSA.
3. THE COST OF OUR SERVICES
MORTGAGES AND BRIDGING FINANCE
We charge a broker fee, fully disclosed in our customer portal before we submit any mortgage or bridging application. We may also receive commission from the lender upon completion.
You will receive an illustration or offer document showing all fees, charges, and commission details before proceeding. You can ask us for details of commission variations between lenders.
COMMERCIAL FINANCE
For commercial or development finance, our broker fee structure and any commission received will be agreed with you in advance. We will confirm all costs in writing before submitting any application.
Commercial finance products are generally not regulated by the FCA, and FSCS or Ombudsman protection will not apply.
INSURANCE
You do not pay us a fee for arranging insurance. We receive commission from the insurer, which is a percentage of your premium. Full details will be provided before you proceed.
REFUND OF FEES
If you cancel or withdraw before completion, our administration fee will remain due.
If already paid, this fee will not normally be refunded.
You will receive a full refund of our broker fee if:
- You provided all requested information accurately and on time; and
- We are unable to secure a mortgage or finance due to your personal circumstances.
Our broker fee is non-refundable if:
- Your property purchase does not proceed after we submit your application;
- You choose not to proceed after submission; or
- Your application fails due to inaccurate or withheld information.
Please ensure all information provided is complete and accurate, as inaccurate details may affect eligibility and refund entitlement.
FAIR VALUE AND CUSTOMER OUTCOMES
We are committed to ensuring that our services and fees represent fair value and deliver good outcomes for all customers, in line with the FCA’s Consumer Duty.
4. ADDITIONAL SERVICES
We may recommend working with trusted partners for services such as conveyancing, estate planning, or specialist lending. We may receive a referral fee from these partners — if so, we will disclose this to you in advance.
5. YOUR RESPONSIBILITIES
Please be open and accurate in all information you provide. Incorrect or incomplete details about your finances, health, or property could lead to unsuitable recommendations or declined applications.
If your circumstances change before completion, inform your advisor immediately so we can update our advice. Check all documents carefully and contact your advisor if anything appears incorrect or unclear.
6. SUPPORTING VULNERABLE CUSTOMERS
We are committed to ensuring good outcomes for all clients, including those with additional needs or vulnerabilities. We follow the FCA’s guidance on supporting vulnerable customers (FG21/1). If you have any particular requirements, please let us know so we can accommodate them appropriately.
7. INFORMATION SECURITY AND DATA PRIVACY
We take your privacy seriously. We will never sell or share your personal data for marketing purposes without your consent. Full details are in our Privacy Notice.
8. COMPLAINTS
We always aim to provide excellent service, but if something goes wrong, please contact us:
The Complaints Officer
Mortgage Confident Finance Limited, 11th Floor, 3 Piccadilly Place, Manchester, M1 3BN
0161 533 0024
admin@mcfinance.co.uk
If we cannot resolve your complaint, you may contact:
The Financial Ombudsman Service. Exchange Tower, London, E14 9SR 0800 023 4567 | 
www.financial-ombudsman.org.uk
Please note: The Financial Ombudsman cannot normally assist with Buy to Let, Bridging, Commercial Finance, or certain Business Protection complaints unless the product is regulated or you or a family member live (or intend to live) in the property.
9. REGULATION
Mortgage Confident Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA) — reference number 1032013.
You can check our authorisation at
www.fca.org.uk/firms/financial-services-register
or by calling 0800 111 6768.
We are authorised to advise and arrange:
- Regulated mortgage contracts (including some Buy to Let finance)
- Non-investment insurance contracts (including Business Protection and Private Medical Insurance)
We do not offer second charge lending. Bridging and Commercial Finance are not normally regulated by the FCA unless the loan is secured on a property occupied (or to be occupied) by you or an immediate family member.
10. FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS).
You may be entitled to compensation if we cannot meet our obligations.
RESIDENTIAL MORTGAGES
Advising and arranging is covered up to £120,000 per eligible person per firm.
INSURANCE (Including Business Protection & Private Medical)
- 100% of the claim for long-term insurance (e.g. life insurance)
- 90% of the claim for other types of cover (no upper limit)
BUY TO LET, BRIDGING, AND COMMERCIAL FINANCE
Most Buy to Let, Bridging, and Commercial Finance products are not covered by the FSCS, except where the loan is regulated (for example, where you or a family member live at the property).
For details, visit the FSCS website.