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Regulator launches mortgage competition review




The Financial Conduct Authority (FCA) is hoping to understand whether consumers are empowered to choose on an informed basis between products and services as well as being able to understand whether these represent value for money.

The study will look at two questions:

  • At each stage of the consumer journey, do the available tools (including advice) help mortgage consumers make effective decisions?
  • Do commercial arrangements between lenders, brokers and other players lead to conflicts of interest or misaligned incentives to the detriment of consumers?

 

The FCA will also look at whether there is a chance to improve technological solutions for problems it identifies.

“As a mortgage is likely to be the biggest financial commitment most people make in their lifetime, we’re keen to ensure that competition in the mortgage sector is healthy and working to the benefit of consumers,” said Christopher Woolard, executive director of strategy and competition at the FCA. 

The regulator will be working with a wide range of mortgage market participants and aims to publish an interim report in summer 2017 with its final report due in early 2018.





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