FCA Regulatory Disclosure

MF Financial Ltd provides private mortgage advisory services for clients purchasing high-value property, often with complex income structures, international earnings, or multi-entity financial arrangements. We are committed to transparency, regulatory compliance, and the fair treatment of all clients.

This page outlines the regulatory status, permissions, and important disclosures required under the rules of the Financial Conduct Authority (FCA).



Who We Are


MF Financial Ltd
is an Appointed Representative of:

Where Can I Find a Mortgage Ltd
which is authorised and regulated by the Financial Conduct Authority (FCA).
FCA Firm Reference Number: 1036175

This means MF Financial operates under the regulatory permissions and supervision of Where Can I Find a Mortgage Ltd, ensuring full adherence to UK mortgage and insurance mediation regulations.



Our Services


MF Financial provides:

  • Private mortgage advice and brokerage

  • High-value and complex income lending solutions

  • Lending support for domestic and international buyers

  • Specialist mortgage placement for clients with multi-source, bonus-led, or non-traditional income

We always act in your best interests and provide recommendations based on a fair analysis of the market.



Regulatory Scope of Our Services


Regulated Products

We arrange and advise on regulated mortgages secured on residential property in the UK.

Partially Regulated Products

Some forms of Buy-to-Let mortgages may be regulated depending on borrower circumstances.

Not Regulated by the FCA

The following products and activities are not regulated by the Financial Conduct Authority:

  • Most Buy-to-Let mortgages (unless classed as consumer BTL)

  • Commercial mortgages

  • Business loans and corporate borrowing

  • Bridging finance used for business or investment purposes

We will always explain whether your mortgage is regulated or unregulated before proceeding.



Fees and Remuneration


MF Financial may charge a fee for arranging your mortgage.
We may also receive a procuration fee from the lender when your mortgage completes.

Full details of:

  • our fees,

  • how we are paid, and

  • whether a lender will pay us a commission

will be clearly disclosed before any application is submitted.



Client Protection & Risk Warnings


Your home may be repossessed if you do not keep up repayments on your mortgage.

Some products we arrange are not covered by FCA protections

Unregulated mortgages and business lending do not fall under:

  • FCA conduct rules

  • the Financial Ombudsman Service

  • the Financial Services Compensation Scheme (FSCS)

If this applies to your case, we will make it clear in writing.



Conflicts of Interest


MF Financial follows an internal policy to identify and manage conflicts of interest fairly and transparently.
You can view our full Conflicts of Interest Policy on this website.



Complaints


If you are dissatisfied with our service, you may make a complaint following our Complaints Procedure, which can be found on this website.

If your complaint relates to a regulated mortgage and we cannot resolve it, you may be able to refer the matter to the Financial Ombudsman Service.



Data Protection


MF Financial handles personal information in line with:

  • The UK GDPR

  • The Data Protection Act 2018

For more details, please see our Privacy Policy.



Contact Us


For regulatory enquiries or further disclosures, please contact:

MF Financial Ltd
Email: es.salh@mortgagefnd.co.uk
Phone: 020 3151 0813
Address: 128 City Rd, London EC1V 2NX, UK