Initial disclosure & regulatory information

This page structures the information UK mortgage firms must provide clearly and prominently under FCA MCOB 4.4A. Replace all bracketed placeholders with your firm's approved wording before go-live — and have your compliance officer sign off.

1. Who we are

Mortgage Easy is a trading name of Mortgage Easy Group Limited.

Mortgage Easy Group Limited is registered in England and Wales. Company number: 17490711. FCA Firm Reference Number: pending.

2. Nature of our service

We provide [mortgage advice / mortgage arrangement] services. We will tell you whether any recommendation is based on a comprehensive analysis of the market or a limited panel of lenders.

Service type: [Advised / non-advised / execution-only where applicable]
Product range: [Whole of market / limited panel — list or link to lenders]
Geographic scope: United Kingdom — residential mortgages [and buy-to-let if applicable]

3. Fees and remuneration

We will confirm how we are paid before you proceed:

Customer fee: [£X / No fee / Fee may apply — describe]
Commission: We may receive commission from lenders. Details available on request.
Introducer payments: Where a third party refers you, we disclose any payment to them in line with MCOB.

4. Your home — standard warning

Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.

5. Distance / online sales (MCOB 4.5)

If you apply online or by phone without face-to-face contact, we will provide additional pre-contract information in a durable medium (email or downloadable PDF) before you commit, including cancellation rights where applicable.

6. Complaints

If you wish to register a complaint, contact us at complaints@mortgageeasy.example or [postal address].

If we cannot resolve your complaint, you may refer it to the Financial Ombudsman Service: financial-ombudsman.org.uk · 0800 023 4567.

7. Privacy & cookies

We process personal data under UK GDPR. See our Privacy policy and Cookie policy (to be published). Mortgage fact-find data is stored securely and shared only with your appointed advisor and where required by law.

8. Consumer Duty

Our communications aim to be fair, clear and not misleading. We present risks alongside benefits and avoid burying material information in fine print.

Compliance checklist before launch Obtain signed-off Initial Disclosure Document (IDD) / ESIS templates, confirm panel lenders list, register FRN on every page footer, archive website versions for FCA record-keeping, and ensure online journeys display required disclosures on-screen (not link-only) at the point of sale.