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Wise Campus added blog Bienestar
2026-03-03 13:54:00 - Translate

What Constitutes a "Reasonable Report" Under MCOB 9.4 for Non-Advised Sales?
In the highly regulated world of UK mortgage lending, the distinction between advised and non-advised sales is a critical boundary that firms must navigate with extreme care. Under the Financial Conduct Authority’s (FCA) Mortgage Conduct of Business (MCOB) rules, specifically section 9.4, there is a stringent requirement regarding the documentation of equity release and specialized...

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School Healt Care added blog Bienestar
2026-04-16 16:08:27 - Translate

Why is a personal guarantee required for a special purpose vehicle (SPV) BTL mortgage?
The landscape of Buy-to-Let (BTL) investing has undergone a significant transformation in recent years, largely driven by tax changes that have made individual property ownership less tax-efficient for higher-rate taxpayers. Consequently, many investors now choose to purchase property through a Special Purpose Vehicle (SPV), which is essentially a limited company set up solely for the purpose...

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