Mortgage advice relating to personal home ownership is regulated in the United Kingdom by the Financial Conduct Authority (FCA).

This page explains how mortgage advice may be provided in connection with the information published on Propillo.

Information Published on Propillo

Propillo provides educational resources designed to help borrowers understand how mortgage lenders assess applications.

The site focuses on explaining how lenders interpret borrower situations, including income structures, credit history and property characteristics.

The information published on Propillo is intended to help borrowers better understand how lending decisions are made.

This information is general in nature and should not be considered personal financial advice.

Mortgage products, lender criteria and underwriting approaches vary significantly between lenders, and individual circumstances must always be assessed by a regulated adviser before a mortgage recommendation can be made.

Personalised Mortgage Advice

Any personalised mortgage recommendation or mortgage application submission will be carried out by a regulated mortgage adviser authorised by the Financial Conduct Authority.

Depending on the circumstances of the case, advice may be provided by:

Matthew Tansley, CeMAP

another authorised mortgage adviser operating through an FCA-regulated firm.

Where advice is provided through a regulated firm, that firm is responsible for the advice given and the mortgage recommendation made.

Authorised Firm

Mortgage advice may be provided through:

Trinity Financial Ltd.
Trading as Trinity Finance.

Registered office:
Trinity Financial Ltd, 72 – 74 Upper Wickham Lane, Welling, Kent DA16 3HQ

Authorised and regulated by the Financial Conduct Authority.

FCA reference number:
793667

Types of Lending

Mortgage advice relating to residential property used as a primary home is typically regulated by the Financial Conduct Authority.

Other types of property finance may not be regulated in the same way.

These may include:

Buy-to-let mortgages
Bridging finance
Commercial property lending

Borrowers should always confirm whether a specific type of lending is regulated before proceeding.

Risk Warning

Your home may be repossessed if you do not keep up repayments on your mortgage.

Responsibility for Content

The information published on Propillo is written and maintained by Matthew Tansley, CeMAP, a UK property finance professional and British Mortgage Awards winner.

Articles published on the site aim to explain how lenders interpret borrower situations when assessing mortgage applications. Content may reference lender criteria updates, underwriting practices and industry discussions.

While every effort is made to ensure information is accurate and up to date, mortgage lender criteria can change frequently and individual borrower circumstances vary.

Borrowers should always obtain personalised advice from a regulated mortgage adviser before making financial decisions.

Complaints

If you have a complaint relating to mortgage advice provided through an FCA-regulated firm, the complaint should be directed to the firm responsible for the advice.

Details of the complaints process will be provided by the regulated firm handling the mortgage advice.

If a complaint cannot be resolved directly with the firm, you may be entitled to refer the complaint to the Financial Ombudsman Service.

Further information about the Financial Ombudsman Service is available at:

https://www.financial-ombudsman.org.uk

Further Information

If you would like to discuss your situation or understand how lenders may interpret your circumstances,
you can arrange a short conversation with a mortgage adviser.