The Mortgage Credit Directive (MCD) came into effect on the 21st March 2016. Subsequently all documents contained within this section meet those requirements. Within this section you will find documents to assist you with advising and arranging regulated mortgages including second charges, Consumer Buy to Let (CBTL) and Business Buy to Let (BBTL).
In addition, we have updated our Mortgage Advice Process Manual so that it meets the requirements under the Consumer Duty. From the 31st July 2023, all products and services must be fit for purpose, offer fair value and that communications and customer support enable consumers to make, and act on, well-informed decisions.