TMP Mortgage Zone

How we are regulated

TMP Mortgage Zone is authorised and regulated by the Financial Services Authority (FSA), an independent non-governmental body that regulates the financial services industry in the UK.

As a regulated company, TMP Mortgage Zone is committed to following the eleven key principles of business practice outlined by the Regulator. These are:

1. Integrity – we conduct our business with integrity
2. Skill, care and diligence – we conduct our business with due skill, care and diligence
3. Management and control – we take reasonable care to organise and control our affairs responsibly and effectively, with adequate risk management systems
4. Financial prudence – we maintain adequate financial resources
5. Market conduct – we observe proper standards of market conduct
6. Customers' interests – we pay due regard to the interests of our customers and treat them fairly
7. Communications with clients – we pay due regard to the information needs of our clients and communicate information to them in a way that is clear, fair and not misleading
8. Conflicts of interest – we manage conflicts of interest fairly, both between ourselves and our customers, and between a customer and another client
9. Customer relationships of trust – we take reasonable care to ensure the suitability of our advice and discretionary decisions for any customer who is entitled to rely upon our judgment
10. Clients' assets – we arrange adequate protection for clients' assets when we are responsible for them
11. Relations with regulators – we deal with our regulators in an open and cooperative way and we disclose to the FSA appropriately anything relating to our business of which the FSA would reasonably expect notice

Treating Customers Fairly

At TMP Mortgage Zone we are focused on delivering a high quality, professional service that places the needs of our clients at the centre of everything we do. We actively endorse and support the six Treating Customers Fairly (TCF) outcomes as outlined by the FSA:

1. Consumers can be confident they are dealing with firms where the fair treatment of customers is central to the corporate culture.
2. Products and services marketed and sold are designed to meet the needs of identified consumer groups and are targeted accordingly.
3. Consumers are provided with clear information and kept appropriately informed before, during and after the point of sale.
4. Where consumers receive advice, the advice provided is suitable and takes account of their circumstances.
5. Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
6. Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.

The six TCF outcomes outlined above were published on the FSA website in February 2008 and can be accessed here: FSA: "Treating Customers Fairly"