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Remote support for appointed representatives: how mortgage clubs stay connected

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  How remote support has become standard for mortgage clubs Mortgage clubs are no longer just approval bodies for appointed representatives. Today, they provide the digital infrastructure that allows ARs to operate independently while remaining fully aligned with FCA requirements. Remote working has accelerated this shift. Mortgage clubs now rely on connected platforms that support sourcing, compliance, onboarding, performance monitoring, and communication without requiring advisers to be physically present. What an appointed representative is An appointed representative operates under the FCA permissions of a mortgage club. This allows the adviser to provide mortgage and protection advice without holding direct FCA authorisation. The club remains responsible for regulatory oversight, compliance standards, and ongoing support, while the AR focuses on advising clients and building their business. How mortgage clubs support ARs remotely Digital mortgage and protection sourcing Mortga...
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Digital fact finds: a smarter way to collect mortgage information

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  Still using paper forms or emailed PDFs If clients are still filling out paper fact finds or sending back PDFs by email, the process is slower than it needs to be. It creates delays, increases errors, and adds admin for advisers who already have full pipelines. Digital fact finds have become the standard because they make onboarding faster, cleaner, and easier to manage. They also support better record keeping and more consistent compliance. What a digital fact find is in mortgage advice How it works A digital fact find is a secure online form that clients complete to provide the personal and financial information required to begin the mortgage journey. It replaces paper based documents and can be shared through a secure client portal or link. Once submitted, the information is stored safely and becomes part of the client record, ready for review and next steps. What it typically includes A digital fact find usually captures identity and contact details, income and expenditure, e...
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What UK mortgage brokers get wrong about digital fact-finds

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  What is a digital fact-find? A digital fact-find is the process used by UK mortgage advisers to collect, validate, and record client information in a structured, auditable electronic format. This information is used to support affordability, suitability, Consumer Duty outcomes, and regulatory record-keeping. It is typically used to capture: Personal and contact details Income, employment, and expenditure Credit commitments and liabilities Property and mortgage objectives Vulnerability and Consumer Duty considerations Why this matters to you Under FCA rules, you are expected to be able to evidence how your advice was informed by client information. Your fact-find forms the basis of your suitability letter, lender submission, and compliance records. If the data is incomplete or inconsistent, it becomes harder to demonstrate this during an audit or complaint review. How does a digital fact-find work in practice? A properly implemented digital fact-find supports a structured flow fro...
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