Trust and governance

MortgageExplained provides information, not regulated advice, and is owned and operated by Muswell Rose Ltd. It is not a lender and 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. 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. We introduce you to a regulated mortgage broker who can advise you.

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 Ltd. We are an information and introducer 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 introduced you, contact us at adam@muswellrose.com 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 the date it was last reviewed.

Privacy

We only collect the details you choose to send in an enquiry, and we use them to introduce you to a regulated broker. See our privacy notice for the full detail.