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This focused three-hour module provides a comprehensive introduction to the UK’s regulatory framework for mortgages. It covers the core definition of a regulated mortgage contract, explores exemptions and the unique consumer buy-to-let regime, and examines documentation requirements like the ESIS, and mortgage offers. It also looks at the agenda for change.
Learners will also tackle real-world challenges such as managing payment difficulties and disputes, and understanding the impact of Section 138D of FSMA 2000.
This course is designed for professionals seeking clarity and practical guidance, enabling confident, compliant decision-making in the mortgage sector.
Whether you are seeking to upskill your team, enhance productivity or foster a culture of continuous learning, we can deliver customised training programmes designed to meet your specific needs. If you have an enquiry, you can complete the in-house form and our training team will be in touch with next steps.
Introduction to the regulation of mortgages (three hours):
The definition of a regulated mortgage contract and some typical exemptions
The consumer buy-to-let regime
The form and content of an ESIS and a mortgage offer for a regulated mortgage contract
Some challenging issues: dealing with customers in (or approaching) a payment shortfall, early repayment charges and settlement of disputes with customers
The effect of Section 138D of the Financial Services and Markets Act 2000
The first steps by the FCA to simplify its rules and increase flexibility.
Partner, Walker Morris LLP
Russell is a partner at Walker Morris LLP and heads up its consumer and motor finance team focussing on both non-contentious and contentious retail le...
Russell is a partner at Walker Morris LLP and heads up its consumer and motor finance team focussing on both non-contentious and contentious retail lending issues. Russell is an editor of Goode: Consumer Credit Law and Practice, Goode: Consumer Credit Reports, Butterworths Financial Regulation Service (responsible for editing the commentary on CONC, MCOB and BCOBS), Asset and Project Finance: Law and Precedents and Practical Lending and Security Precedents. Russell is also the author of Consumer Credit: Law, Practice & Precedents and various practitioner notes on consumer credit for Practical Law and LexisNexis.
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