Policy Documents
FCA Regulatory Disclosure
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 No. 1036175). MF Financial Ltd operates under the regulatory permissions and supervision of Where Can I Find a Mortgage Ltd.
Our Services
MF Financial Ltd provides private mortgage advice and brokerage, high-value and complex income lending support, lending support for domestic and international buyers, and specialist mortgage placement for clients with multi-source, bonus-led or non-traditional income. Recommendations are based on suitability and a fair analysis of the market.
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
Most Buy-to-Let mortgages, unless classed as consumer Buy-to-Let, commercial mortgages, business loans, corporate borrowing and bridging finance used for business or investment purposes are not regulated by the Financial Conduct Authority. We will always explain whether your mortgage is regulated or unregulated before proceeding.
Fees and Remuneration
MF Financial Ltd 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 and 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 or the Financial Services Compensation Scheme. If this applies to your case, we will make it clear in writing.
Conflicts of Interest
MF Financial Ltd 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 Ltd handles personal information in line with UK GDPR and 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 at info@mortgagefnd.co.uk or 020 3151 0813. Address: 128 City Rd, London EC1V 2NX, UK.