The Mortgage Code is a voluntary code of practice that we and all the lenders we use fully subscribe to and endorse.

The code has 10 main commitments. Broadly speaking, these say that lenders and intermediaries will:

• act fairly and reasonably with you at all times;
• make sure that all services and products keep to the conditions of the code, even if they have their own terms and conditions;
• give you information on services and products in plain language, and offer help if there is any area which you do not understand;
• help you to choose a mortgage to fit your needs, unless you have already decided on your mortgage;
• help you to understand the financial effects of having a mortgage;
• help you to understand how your mortgage account works;
• make sure that the procedures staff follow reflect the commitments set out in the code;
• correct errors and handle complaints speedily;
• consider cases of financial difficulty and mortgage arrears (missed payments) sympathetically and positively; and make sure that all services and products meet the relevant laws and regulations.

The code goes into more detail on each of these commitments.

The Mortgage Exchange can supply a copy of the full mortgage code upon request, or you can download a copy of the mortgage code leaflet in PDF format (126k)
To view the PDF file, you will need Adobe Acrobat Reader Version 4.0. If you don't have it, please click on the icon below to download.

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The Mortgage Exchange (London) Ltd
86 Glenthorne Road Hammersmith, London W6 0LP
TEL: 0870 850 7575 FAX: 0870 850 7576

* Your home may be repossessed if you do not keep up payments on your mortgage.
* The Mortgage Exchange (London) Ltd is authorised and regulated by the Financial Services Authority