Our expertise
The mortgage market has been subject to significant change and scrutiny in recent years. The 2016 Mortgages Market Study highlighted possible barriers to innovation opening doors for further consultation and was followed by the Mortgage Credit Directive in 2016. New firms are being impacted by the FCA’s Transformation Programme, which introduced the Regulatory Transactions Committee (RTC) to the authorisation process resulting in greater scrutiny at the gateway and longer authorisation times, while those already authorised are having to consider the new Consumer Duty rules alongside their ready established ongoing regulatory obligations.
With a number of obligations to consider you may need help and advice regarding a new sales initiative or a change in the structure of your business. Our approach is that compliance should be an enabler rather than a blocker to growth, we will always seek to help you find a compliant way to achieve your objectives. If you are a new entrant to the market looking for support with an upcoming FCA authorisation, or you are looking for support with your ongoing compliance, we would be happy to support you.
FCA authorisation & regulatory project support
We can support Credit firms with all aspects of their compliance to help them confidently navigate regulation in a way that will keep their vision and objectives intact.
FCA Authorisation & Applications
Consumer Duty
Appointed Representatives
Ongoing Compliance Support
Compliance Healthcheck
Compliance Advisory
Training
Variation of Permission
Change in Control
Ongoing support options
Are you looking for compliance support on an ongoing basis? Take a look at our menu below and choose the package that is right for you.
Core
from £99pm
- Regtech – MCC Lite
- Document Library
- Compliance Monitoring Plan
- Activity Reminders & Guidance
- Regulatory Updates
- Helpdesk Support
- PortALL (1 Licence)
- Extra Consulting Hours (standard rate)
Flex
from £275pm
- Expert Consultant Support (6 Hours per annum)
- Regtech – MCC Lite
- Document Library
- Compliance Monitoring Plan
- Activity Reminders & Guidance
- Regulatory Updates
- Helpdesk Support
- PortALL (1 Licence)
- Annual Healthcheck (remote)
- Extra Consulting Hours (discounted rate)
Bespoke
POA
- Expert Consultant Support Hours (tailored to your individual needs)
- Regtech – MCC Lite
- Document Library
- Compliance Monitoring Plan
- Activity Reminders & Guidance
- Regulatory Updates
- Helpdesk Support
- PortALL licences (tailored to your individual needs)
- Extra Consulting Hours (discounted rate)
In addition to your choice of our core, flex, and bespoke support packages, you can also add on any of the following services at an additional fee, to meet your personal business needs.
• Annual Compliance Assurance Review, • Financial Promotions/ Marketing Review, • Compliance Monitoring/ File Reviews, • RegData Returns, • Flexible Service Contract, • Annual Healthcheck (remote)
Find out more about our ongoing support options
Why choose Cosegic?
Our 360 degree perspective of regulatory affairs
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Our 360 degree perspective of regulatory affairs
Our wide range of financial sector experts come together on a regular basis to discuss their interactions with the FCA and the regulatory trends that they are seeing, providing us with a more informed understanding of the FCA than our competitors.
Direct, proportionate advice
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Direct, proportionate advice
Our unique perspective means we really do have our fingers on the pulse of regulation, which helps us to ensure that the advice we offer is practical, helpful and directly proportionate to our clients’ needs.
Our understanding of the role of compliance in firms
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Our understanding of the role of compliance in firms
We have watched the evolution of compliance over the past twenty years and understand that compliance must now become a core part of how financial services carry out their businesses in order for them to be successful.
Compliance confidence for visionary growth
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Compliance confidence for visionary growth
In recognising this, our services have been built in a way that can help you navigate regulation ensuring you will keep your vision and objectives intact. Our breadth of experience allows us to balance your business objectives with your compliance requirements.
We're experts in our field
Meet Will Khammo, Senior Consultant specialising in supporting a wide range of Insurance, Mortgages, Claims, and Funeral Planning clients. Will is an ex-regulator having spent 6 years at the FSA (now FCA) before becoming a compliance consultant. He has experience working with a variety of business sizes, from start-ups to mature yet dynamic businesses, and has worked across industry sectors across the financial services spectrum delivering commercially focused solutions that are real, relevant and proportionate to the client in question.
CONTACT WILL
