The Financial Services Authority (FSA)

	The Financial Services Authority (FSA) is the independent watchdog set up by the Government to regulate the financial service industry and protect consumer rights in the UK financial services market. All mortgage lenders and intermediaries including mortgage and insurance brokers, are required to register with the FSA,
and follow the rules laid down with respect  to the sale and marketing of Regulated Mortgage Contracts and General Insurance of the type offered on this web site. These regulations are designed to ensure the consumer gets fair and transparent treatment when entering into a mortgage or general insurance contract.

For further details about the FSA, the Regulations, and how they affect the consumer please visit the FSA Website.

Useful Documents at the FSA and Other Websites

The following documents are helpful in outlining your rights as a consumer in the mortgage market, and where to get help if you feel you have not been treated fairly.

The Financial Services Authority have produced a number of useful documents on a variety of financial topics including mortgages and insurance. Click here to see the full list.

The Council of Mortgage Lenders (CML) have also produced a number of consumer publications relating to mortgage. Topics include Protecting Mortgage Payments, Buy to Let, Equity Release and more. Click here to see the information available.

The Financial Ombudsman Service provides consumers with a free and independent service for resolving disputes with financial firms. Their Website provides consumer information advice and access to FOS publications in a number of languages.

The Citizens Advice Bureaux provide independent free advice to consumers on a wide range of issues. Their website provides information on how to get help.

National Debtline provides independent free advice to consumers on debt and debt management.

Document Reader software

Most of these downloadable documents are in PDF format. To download a free copy of Adobe Acrobat Reader just click on the graphic below. If documents are in not in PDF format please read the specific instructions on the relevant site.