Editorial standards

MortgageMatch is an independent directory of UK mortgage brokers and advisers, published alongside free calculators and plain-English guides. We are not a broker, a lender or a regulated financial adviser, and we are not authorised by the Financial Conduct Authority. Nothing on this site is a personal recommendation.

These five principles govern everything we publish. They are the same list every guide on the site links back to.

1. 1.We do not give regulated advice

   MortgageMatch is a directory and a set of free tools. Our guides explain how UK mortgages work in general terms. They are not a personal recommendation, and only an FCA-authorised adviser can recommend a specific product for your circumstances.

2. 2.We name our sources

   Figures on tax, affordability and lending rules come from primary sources: HMRC and the Scottish and Welsh governments for property tax, the Bank of England for rates, and the FCA Handbook for conduct rules. Where a number changes with policy, we say when it was last checked.

3. 3.We check every listing is authorised

   Brokers in the directory are UK firms that describe mortgage advice on their own websites. We link to the FCA Financial Services Register so you can confirm a firm's permissions yourself before taking advice.

4. 4.We take no lead-generation fees

   We do not sell your details, and we do not run a lead auction. Brokers cannot pay to rank higher in our directory. If that ever changes, we will say so on this page first.

5. 5.We correct things openly

   If a guide is wrong or out of date, tell us and we will fix it and update the review date on the page rather than quietly editing it.

Numbers on this site come from primary sources wherever a primary source exists. We name them so you can check any figure at its origin rather than taking our word for it.

Stamp duty and property transaction tax

HMRC for Stamp Duty Land Tax in England and Northern Ireland, the Welsh Revenue Authority for Land Transaction Tax, and Revenue Scotland for Land and Buildings Transaction Tax.

Interest rates

The Bank of England for the base rate and its published rate decisions. We do not publish live lender product rates, because we do not have a whole-of-market rate feed.

Conduct, advice and regulation

The FCA Handbook (principally MCOB) for what an adviser must do, and the FCA Financial Services Register for whether a firm or individual is authorised.

Broker listings

Publicly available business information published by the firms themselves, plus details a firm has given us directly or confirmed when claiming its listing.

Where a figure can change with government or Bank of England policy, we say when it was last checked. Where something is a general pattern rather than a published statistic, we describe it as such instead of dressing it up as data.

We want to be precise about this, because "regularly reviewed by experts" is a claim that is easy to make and hard to keep.

• Guides carry a visible last-updated date, and that date changes only when the page itself changes.
• Pages that depend on a figure which moves, such as stamp duty thresholds or the base rate, are re-checked when the underlying source moves: at fiscal events, at Bank of England rate decisions, and when the FCA changes a relevant rule.
• Everything else is reviewed when a reader reports a problem, when we are working on the surrounding topic, or when we spot the issue ourselves.
• We do not operate a fixed calendar review of every page on the site, and we will not claim to until we do.

Listings are built from publicly available business information published by UK firms that describe mortgage advice on their own websites. A firm can claim its listing to correct or expand what we hold; a claimed listing is marked as such.

Claiming a listing does not improve a firm's position. We link every listing to the FCA Financial Services Register, and we would always encourage you to confirm a firm's permissions there before you take advice. Inclusion in the directory is not an endorsement, and we do not guarantee that every listing is complete or current, which is precisely why corrections matter to us.

Reviews on profiles are open submissions from members of the public. They are not individually verified, and we moderate for content that is unlawful, defamatory or off-topic rather than for accuracy we cannot check.

We take no lead-generation fees. We do not sell your details, we do not run a lead auction, and brokers cannot pay to rank higher, to appear first, or to be featured. When you contact a broker through MortgageMatch you contact them directly, using details they publish, and we are not a party to what follows.

If our commercial model ever changes, we will say so on this page before it happens anywhere else on the site.

Mortgage content is what search engines call YMYL: your money or your life. The conventional response is to attach a named, credentialled reviewer to every article. We have chosen not to invent one. Fabricating a CeMAP-qualified author to decorate financial content would be dishonest, and a made-up trust signal is worse than none.

So MortgageMatch UK, the organisation, is the author of record, and we back that with what can actually be checked: named primary sources, dated pages, an explicit list of what we do not do, and a stated route to correcting us. For advice about your own circumstances, the qualified person you want is an FCA-authorised adviser, and this site exists to help you find one.