United Kingdom
How we rank
We rank firms on five criteria that anyone can check. We use only public information: the firm's own website, regulator registers and professional bodies.
| Criterion | Weight | What we check |
|---|---|---|
| Regulation | 35% | Is the firm authorised by the FCA, or an appointed representative of an authorised firm? We check the FCA register. |
| Expat focus | 25% | Does the firm have a dedicated team or process for borrowers who live abroad? |
| Lender access | 20% | Can the firm reach specialist and offshore lenders, or only high street banks? |
| Fee clarity | 15% | Does the firm publish how it is paid, by fee or by lender commission? |
| Track record | 5% | How long has the firm arranged UK mortgages? |
What we do not do
We do not publish star ratings or client reviews, because we cannot verify them. We do not accept payment for a higher position. If a firm ever pays for a featured place, the page will label it "Sponsored" next to the firm's name.
How often we check
We check every firm and every lender rule and tax rate at least once a quarter, and soon after any official rule change. Each page shows the date of the last check.
A firm can ask us to correct a fact by writing to info@imago77.co.uk.