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Mortgages.

Mortgage lenders, administrators and intermediaries, working under MCOB.

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In 2026/27, 4,789 firms pay fees as home finance intermediaries and 364 as home finance providers and administrators 4. The FCA describes the market as over 180 lenders and 5,000 intermediaries 8.

What is different here

What applies in 2026 and 2027

  • Consumer Duty year three: the FCA wants board reports to link data to outcomes and evidence board challenge 18.

Services that fit

Consumer DutyWe set up outcomes monitoring that answers the four outcome tests from your own data, and produce the report your governing body has to approve every year.Arrears and vulnerabilityWe rebuild collections policy and the arrears record so every account shows individual circumstances, a sustainable arrangement and the right treatment of interest.ComplaintsWe run or rebuild your complaints process, meet the DISP clocks, calculate redress, and turn complaints into the root-cause evidence DISP asks for.Retained complianceSenior practitioners on retainer for any FCA-regulated firm, with gap analysis, policy reviews and FCA correspondence handled for you.

Software that fits

GuardianThe ultimate compliance monitoring platform, in productionMortgage Arrears AssistantAn MCOB 13 payment-difficulty workflow with capitalisation and repossession controls.Consumer Duty Outcomes EngineAnswers the four outcome tests from live data and drafts the board report.

Latest updates for mortgages

All regulatory updates

Sources

  1. 4 FCA PS26/14, fee-block populations 2026/27
  2. 8 FCA Regulatory Priorities: Mortgages
  3. 18 FCA blog: year 2 Consumer Duty board reports

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