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MortgageExplained is owned and operated by Muswell Rose Consulting Limited. It publishes general mortgage information, not regulated advice, and introduces you to a regulated mortgage broker who gives the advice and arranges the mortgage. This page sets out, in plain terms, how we use AI, how we check facts, who writes our pages, how we fix mistakes, how to complain, and how we look after your data. Every published page carries a named author and a last-reviewed date.

How we use AI

We use modern AI tools to help with research and first drafts, the same way we use a spellchecker or a spreadsheet. They make us faster. They do not make our decisions and they do not have the final word.

• A named human reviews and signs off every published page. AI never publishes on its own.
• Our content is general mortgage information, not regulated mortgage advice. MortgageExplained is an information and introducer website, not an FCA-authorised advice firm. Regulated advice and the arranging of any mortgage are carried out by the regulated broker we introduce you to.
• AI does not make decisions about customers. We do not use AI to decide who is suitable for a mortgage or which broker you should use. Those are human and regulated decisions, made by the broker and the lender.
• We do not publish fabricated lender data, rates or reviews. Figures are taken from named primary sources or left out. Indicative tables, such as the Lender Criteria Index, are clearly labelled as indicative patterns, not any one lender's policy.
• Personal data handled by AI tools is processed in line with our privacy notice and UK data protection law.

Our use of AI is guided by UK data protection law and the ICO's guidance on AI and automated decision-making. Where AI could affect a person, a human stays in the loop, in line with the direction of AI regulation such as the EU AI Act.

Named authorship

Every page is written or reviewed by a named person and dated. Our content is written and reviewed by Adam Parker, CeMAP and CF qualified, who spent nearly a decade as a mortgage adviser at Just Mortgages, with further experience in commercial finance. You can read more on the author page. We publish plain-English information, not paid-for rankings.

Fact-checking and sources

Before a page goes live, factual claims are checked against primary sources, not other websites. In practice that means:

• Rate context taken from the Bank of England base rate.
• Market figures attributed to named bodies such as UK Finance, ONS and GOV.UK.
• Regulated firms and FCA authorisation checked on the FCA Register.
• No fabricated live lender rates. Where a figure cannot be verified from a named source, we present it as indicative or leave it out.

Corrections

If something is wrong, tell us and we will fix it. Email [email protected] with the page address and what is incorrect. We aim to respond within two working days. Material corrections are made and noted on the page so the change is visible.

Complaints

If you are unhappy with the information on this site or how we introduced you, contact us at [email protected] and we will respond. Full detail, including timescales, is on our complaints page.

MortgageExplained introduces you to a regulated mortgage broker and is not itself the adviser or the lender, so a complaint about regulated mortgage advice or the arranging of a mortgage is handled by that broker under their FCA-authorised complaints procedure. We will point you to the right place if so.

Your data

We only collect the details you choose to send in an enquiry, and we use them to introduce you to a regulated broker, telling you before we do. What we hold, why, and how to ask us to delete it is set out in our privacy notice, cookie policy and data protection page.

Risk warnings

All our policies

Owned and operated by Muswell Rose Consulting Limited. This is information, not advice. Last reviewed: 2026-07-07.