Trust and governance
MortgageExplained provides information, not regulated advice, and is owned and operated by Muswell Rose Consulting Limited. It is not a lender and not an FCA-authorised advice firm. Regulated advice and the arranging of any mortgage are carried out by a regulated broker, not by us. This page sets out our editorial standards, the required risk warnings, complaints routes and how we handle your data.
Information, not advice
Everything on MortgageExplained is general information to help you understand how UK mortgages work. It is not a personal recommendation and it is not regulated mortgage advice. This is information, not advice. A regulated mortgage broker can advise you; we do not.
Risk warnings
A mortgage is secured against your home or property. The figures, rates and criteria we describe change over time and vary by lender and by your circumstances. Always confirm your own position with the regulated broker before acting.
Who operates this site
MortgageExplained is owned and operated by Muswell Rose Consulting Limited (company number 15269776). We are an information business. We are not authorised by the Financial Conduct Authority to give regulated mortgage advice, and we do not arrange mortgages ourselves.
Complaints
If you are unhappy with the information on this site or how we handled your enquiry, contact us at [email protected] and we will respond. Complaints about regulated mortgage advice or the arranging of a mortgage are handled by the regulated broker under their FCA-authorised complaints procedure.
The Financial Ombudsman Service (FOS) can review eligible complaints about regulated firms. The Financial Services Compensation Scheme (FSCS) may protect certain regulated activities. These protections relate to the regulated broker and lender, not to information published here.
Editorial standards
- We write answer-first, in plain English, and define jargon.
- We cite primary UK sources (Bank of England, UK Finance, FCA, ONS, GOV.UK) for figures.
- We do not fabricate statistics or lender policies. Indicative tables are clearly labelled as such.
- Every page names its author, and shows the date its content last changed or its figures were last checked.
This page covers our regulatory position. For how the content itself is produced and checked, how we use AI, and how we correct mistakes, see the trust centre.
Privacy
We only collect the details you choose to send in an enquiry, and we use them to read and reply to it. We do not currently pass enquiries on to a broker or any other firm. See our privacy notice for the full detail.
Founder, MortgageExplained
Adam spent over eight years as a mortgage adviser at Just Mortgages, with further experience in commercial finance. He is CeMAP and CF qualified. He built MortgageExplained to do one thing well: explain mortgages in plain English, so you know where you stand before you speak to a regulated broker. Every page on the site is written by Adam.
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