Why Choose FCA-Regulated Mortgage Brokers? When arranging a mortgage, many borrowers focus only on rates, fees, and monthly repayments. But the adviser you speak to is just as important.
The most important question you should ask is:
Is my mortgage adviser regulated by the Financial Conduct Authority (FCA)?
If the answer is no or you’re unsure, you could be taking a serious risk with your finances.
The Risk of Using an Unregulated Mortgage Broker
Mortgage advice is regulated in the UK. This means your adviser should be authorised and supervised by the FCA. However, not everyone who offers mortgage help is qualified or regulated.
Unregulated brokers can be found online, through social media, or from informal referrals. They may seem helpful, but they could put you at risk.
Common issues with unregulated brokers include:
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Recommending unsuitable mortgage deals
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Inaccurate assessments of what you can afford
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No protection if advice turns out to be wrong
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Delays, rejections, or penalties caused by poor advice
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Loss of money, time, or even your property purchase
If your adviser is not FCA-regulated, there’s no formal route for complaints or compensation.
Why You Should Only Use FCA-Regulated Brokers
FCA-authorised mortgage brokers must follow strict rules. They are qualified, monitored, and legally required to treat you fairly.
FCA-regulated brokers are:
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Fully authorised to offer mortgage advice
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Required to follow a documented advice process
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Covered by insurance in case of bad advice
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Supervised by the UK financial regulator
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Bound to act in your best interest
You are better protected, and your advice is clearly documented and backed by law.
At Connect Experts, every adviser listed is FCA-regulated and part of the trusted Connect Network.
How to Find Trusted FCA-Regulated Mortgage Brokers
Use our Connect Experts tool to find a mortgage adviser who suits your needs. You can filter brokers by:
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Location – choose someone based near you {Mortgage Broker Near Me}
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Language – find someone who speaks your language {Find a Broker by Language}
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Gender – speak to someone you’re comfortable with {Find a Broker by Gender}
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Experience – select brokers who understand your specific situation {Find a Broker by Expertise}
All profiles are verified and show each adviser’s qualifications, areas of expertise, and client reviews.
Who Needs an FCA-Regulated Adviser the Most?
Using a regulated broker is always the safest choice, but it’s essential for:
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First-time buyers who need clear, honest guidance
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Buy-to-let landlords working with complex cases
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Self-employed applicants with non-standard income
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Borrowers with poor credit or past CCJs
These situations need careful advice and accurate lender matching. A regulated adviser will make sure everything is documented and meets FCA rules.
FCA-Regulated Mortgage Brokers | Real Example: Why Regulation Matters
You see a low-rate mortgage offer online and speak to the broker. They rush the process, skip paperwork, and recommend an interest-only deal.
Later, the lender rejects the application. You lose the property—and the adviser disappears.
Had they been FCA-regulated, you’d have had a formal complaint route and potential compensation through the Financial Ombudsman Service.
FCA-Regulated Mortgage Brokers | Protect Yourself with the Right Advice
Mortgages are long-term commitments. You need clear, accurate advice from someone who is qualified and regulated.
Use the Connect Experts Broker Finder Tool to choose a verified, FCA-regulated adviser based on your preferences and needs.
Don’t risk your home purchase on poor advice. Choose someone who is regulated, insured, and committed to doing things properly.
Thank you for reading our “FCA-Regulated Mortgage Brokers | Find a Mortgage Adviser” publication. Stay “Connect“-ed for more updates soon!
