Typically respond within 1 working day.
With a powerful blend of sector expertise and regulatory insight, Cosegic empowers mortgage intermediaries with high-performing processes, procedures and frameworks that reduce risk, safeguard compliance and streamline the mortgage advice process.
From affordability assessments and responsible lending standards to strict anti-money laundering controls and data protection laws, mortgage lenders today are navigating a complex regulatory landscape. Add in Consumer Duty and an obligation to maintain accurate, transparent records, and internal compliance teams are understandably overstretched and overwhelmed.
Whether seeking new FCA authorisations, adjusting an existing permission, or managing Appointed Representative (AR) frameworks, we understand the nuances and translate complex rules into clear, practical actions. This ensures you meet regulatory obligations efficiently, while minimising disruption to your business and preserving a positive customer experience.
Select a category to see tailored support and relevant services.
FCA authorisation is your foundation in UK financial services. We bring the expertise, rigour and track record to get you there.
MyCosegic replaces fragmented compliance work with a single operating system where actions, evidence, approvals and oversight live together.
The US market demands SEC compliance across multiple jurisdictions. Our specialists manage the entire process so you can focus on the opportunity ahead.
As your business evolves, we help you identify, apply for and secure the FCA permissions that reflect your next phase of growth.
When ownership changes, FCA approval is non-negotiable. We bring the precision and expertise to make sure it never becomes an obstacle.
When regulatory demands shift or specialist knowledge is needed fast, our ongoing support gives you access to senior compliance expertise.
Providing experienced compliance professionals to strengthen your team and support regulatory priorities.
We help you uncover compliance gaps, demonstrate commitment to fair customer outcomes and ensure your policies withstand regulatory scrutiny.
An independent view of your regulatory position, giving senior leadership the insight to act and strengthen compliance foundations.
Supporting accurate, timely regulatory reporting to help you meet your ongoing compliance obligations.
Practical, proportionate ICARA processes embedded into day-to-day risk management and built to meet regulatory expectations.
Compliant, crisis-ready wind-down strategies that are clear, credible and integrated into your prudential risk management framework.
Practical, regulator-ready support that embeds SM&CR confidently across your organisation, tailored to your firm's specific needs.
Tell us what you’re working on and we’ll point you to the right support, or build a plan around your firm.
Tell us a bit about your firm and what you need help with. We’ll put you in touch with the right specialist.
No spam. Your details are only used to respond to your enquiry.
Our Experts
Find answers to the questions we’re asked most often, from our compliance and training services to how we can support your business.
Mortgage intermediaries operating in the UK are subject to a comprehensive set of FCA regulatory obligations, including FCA authorisation, affordability assessment requirements, responsible lending standards, anti-money laundering controls, data protection obligations, Consumer Duty, and requirements around the management of Appointed Representative frameworks. Maintaining accurate and transparent records is also a core regulatory expectation for all mortgage intermediaries.
Consumer Duty requires mortgage intermediaries to demonstrate that their advice process delivers fair value, that customers receive clear and transparent information throughout the mortgage journey, and that vulnerable customers are identified and supported appropriately. Firms must embed Consumer Duty into their advice frameworks, customer communications, and governance structures, with board-level oversight of customer outcomes across all mortgage products and services.
Managing an Appointed Representative framework introduces significant additional compliance obligations for principal firms, who are responsible for ensuring their ARs meet FCA conduct standards, maintain appropriate training and competence, and comply with financial promotions rules and Consumer Duty requirements. Robust oversight, monitoring, and governance frameworks are essential to managing the compliance risks inherent in AR networks effectively.
Mortgage intermediaries are subject to strict anti-money laundering obligations, including customer due diligence requirements, transaction monitoring, suspicious activity reporting, and the maintenance of robust AML policies and procedures. Given the significant sums involved in property transactions, the mortgage sector is a key area of financial crime risk, making rigorous AML controls a regulatory and commercial priority.
Cosegic combines deep sector expertise with regulatory insight to empower mortgage intermediaries with high-performing compliance processes, procedures, and frameworks. Whether seeking new FCA authorisations, adjusting existing permissions, managing AR frameworks, or navigating the complexities of Consumer Duty and AML obligations, our experts translate complex rules into clear, practical actions that reduce risk and preserve a positive customer experience.
Tell us a little about your firm and what you're looking to achieve. We'll arrange a personalised demo with the right product specialist and show you how our solution can meet your needs.
Enter your details below to access the checklist.
