Thorough, reliable compliance file checking for brokers, DA firms and advisory networks. Over 10 years' FCA-regulated experience across the mortgage lifecycle.
Get in TouchWith over a decade in FCA-regulated financial services, I bring practical, real-world experience to every file review. I know where files go wrong because I've been in the chair — under pressure, managing complex cases, and maintaining standards when it matters most.
Personal Mortgage Adviser at NatWest. Tier-1 regulated environment with rigorous credit risk and documentation standards.
Secured loans and complex lending, including adverse credit and non-standard income cases requiring robust advice trails.
Specialist new build mortgage experience navigating developer schemes, incentive handling, and valuation complexities.
Founded and ran my own brokerage. Full regulatory responsibility including FCA compliance, data protection and advice quality.
Comprehensive file checking against FCA requirements, Consumer Duty obligations, and your firm's own compliance standards. Available on a per-file or day-rate basis.
Full review of mortgage advice files including suitability, affordability assessment, vulnerability considerations, product selection rationale, and documentation completeness.
Review of protection advice files covering needs analysis, product suitability, disclosure, replacement business justification, and ongoing service obligations.
File assessment against FCA Consumer Duty requirements — fair value, consumer understanding, products and services, and customer support outcomes.
Day rates for in-house review sessions, bulk file audits, or ongoing retainer arrangements tailored to your firm's needs and review schedule.
Every file is reviewed against a structured checklist to ensure nothing is missed. Clear, actionable feedback is returned promptly.
Share the completed advice file securely. I'll work to your existing templates or provide my own structured checklist.
Every section checked against FCA requirements, Consumer Duty obligations, and your firm's compliance standards.
A concise review report highlighting any gaps, risks, or areas for improvement — with practical suggestions, not just red flags.
I've written mortgage and protection files under real-world pressure. I review against lived experience of what busy brokers miss, not just a template.
Files reviewed and returned promptly. No long queues or waiting weeks for feedback. I understand that timely reviews keep your business moving.
Every file reviewed against the same structured checklist. No variation in quality whether it's the first review of the day or the last.
All client data handled in strict accordance with GDPR requirements. Professional indemnity insurance in place.
Per-file pricing, day rates, or monthly retainers. I'll work around your volume and schedule — no long-term commitments required.
Whether you need a one-off file review or an ongoing arrangement, I'm happy to discuss how I can help.
Happy to discuss your requirements, provide a sample review, or answer any questions about how the process works.