Good practice
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If you need help please get in touch with the Firm Contact Centre
We use the information that we gather from all small firms to provide feedback on best practice. This page gathers information on our mortgage research and links to other pages that could help your firm.
We would like you to read the feedback relevant to your firm and consider how you can use it within your regulated business. If you'd like to discuss a report in more detail please book on to one of our surgeries or contact the Firm Contact Centre if there are no surgeries in your area. By working together in this way, we will raise industry standards and improve consumer confidence in financial services.
Feedback on our research
Appointed representatives
Our recent review found that principal firms are not doing enough to ensure their appointed representatives (ARs) are treating customers fairly in the sale of general insurance, mortgage and investment products.
Appointed representatives - your responsibilities as principal (available in the General Information section)
Mortgage roadmap - thematic review
Back in January 2007 we published the findings from our first review of the quality of advice processes in the mortgage market. This work identified four areas of particular concern in the market.
Consequently in the summer of 2007 we carried out a series of thematic reviews to consider these areas
Sub prime mortgages
A summary of our research into sub prime mortgages.
Lifetime mortgages
Further to our July 2006 press release which detailed our main concerns in this area, we have issued further feedback on observed areas of good and poor practice.
Lifetime mortgages: Examples of good and poor practice [PDF]
Lifetime mortgages: tips for advisers
Mortgage quality of advice processes
Findings of our review of mortgage quality of advice processes for small mortgage networks and advisers
Mortgage quality of advice processes
Working with packagers
We have conducted research into the relationship between mortgage packagers and mortgage brokers.
Mortgage firms working with packagers
'Higher risk' firms
A summary of the findings of our work following up issues we identified in firms during the authorisation process.
Post authorisation project
Training and competence
Feedback on our research on training and competence.
Self-certification mortgages
A summary of our research into self-certification mortgages.
Information on other FSA work
Please view our pages on Cascade underwriting systems.
Equity release
Our warning to advisers that they must address our serious concerns about the suitability of advice given to consumers on equity release schemes and the follow-on investments.
Press release: FSA warns advisers that unsuitable equity release advice has got to stop
Financial promotions
Our pages on financial promotions, including help for firms like case studies and FAQs.
Financial promotions web pages
Financial promotions - case work examples
Mortgage perimeter
The positive results of our nationwide investigation into unauthorised mortgage business.
Press release: Mortgage perimeter "in good shape"