FixThatNow
Mortgage rate and cost comparison service — Mortgage adviser — Professionals
Providers should define the scenario, activity permissions and comparison universe before presenting options. Distinguish factual comparison from personal advice and application work, with visible dates and assumptions rather than universal rankings.
Service scope
Professional comparison of mortgage options using an agreed borrower scenario and date, including relevant fees and product conditions rather than headline interest alone. A comparison is time-sensitive and is not automatically a personalised recommendation or available loan offer.
What is normally included
- Defining a comparison scenario
- Reviewing rate and fee structures
- Explaining material product differences
What is not included
- Guaranteed lowest rate
- Undated rate claims
- Assuming quoted products are available to every borrower
Qualification checks
- Define borrower scenario privately
- Confirm product search scope
- Include relevant fees
- Identify restrictions and expiry
- Separate comparison from recommendation
Quote guidance
State the fee for comparison or advice and whether application work is included. Keep lender charges distinct and do not use an assumed rate saving as the guaranteed value of the service.
Lead risks
- The customer may supply an obsolete advertised rate
- Products may not be comparable on the same term
- A comparison request may require full suitability advice
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