CPD Hours Level
Seminar 3 IntroductionInformation
Accreditation Information
SRA Competency B


The regulation of mortgages and secured lending is covered by the provisions of the Financial Services and Markets Act 2000 (‘FSMA’). This seminar will look at which types of secured lending fall within the FSMA regime, and how to avoid regulation if at all possible.

It will consider issues such as loans to family members to assist in the purchase of property, and whether such loans require FSMA authorisation, as well more traditional arms length types of secured loans. It will discuss what consequences apply if a mortgage or secured loan does fall within the FSMA regime and also consider other legislation other than FSMA that might impact on secured lending.

What You Will Learn

This course will cover the following:

  • What types of loans are potentially subject to regulation? In particular what is a ‘regulated mortgage contract’ for the purposes of FSMA?
  • What types of activities in respect of secured loans might require authorisation from the Financial Conduct Authority?
  • What is the impact of the Mortgage Credit Directive on UK secured lending?
  • What ways are there to avoid regulation?
  • What are the consequences of entering into a regulated mortgage without the appropriate authorisation?
  • What requirements are imposed on regulated lenders?
  • Other than FSMA what other legislation might have an effect on mortgages or other secured lending?

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Plan Information
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Group bookings
Discounts are available for multiple places and if you have 4 or more people interested in this course and would like to discuss holding it in your area or on an in-house basis then please email us at information@mblseminars.com
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