Note: All UK Brokers will be added to this page during April/May 2026.
If Independent Mortgage Brokers Ignore The NatWest Group and Nationwide Scandal will they be in breach of:
- Financial Services and Markets Act 2000 (FSMA) – Conducting regulated mortgage advice in a misleading or improper way, including failing to act in the client’s best interests, giving rise to potential damages claims.
- FCA Principles for Businesses – Breaching core principles such as Treating Customers Fairly, using communications that are not clear or not misleading, and failing to exercise due skill, care, and diligence.
- Mortgage Conduct of Business Rules – Providing unsuitable advice or failing to disclose material information about a lender or product that would affect the client’s decision.
- Consumer Protection from Unfair Trading Regulations 2008 – Making a misleading omission by withholding important information about known issues that would influence a consumer’s choice.
- Misrepresentation Act 1967 – Making a false or incomplete representation by recommending a lender while knowingly failing to disclose material risks, potentially leading to claims for negligent or fraudulent misrepresentation.
Main Contacts – please let us know if these are incorrect (this will be expanded for each firm contacted)
| Firm | Key Contact | Role |
|---|---|---|
| Alexander Hall | Richard Merrett | Managing Director |
| Trinity Financial | Aaron Strutt | Director |
| SPF Private Clients | Mark Harris | Chief Executive |
| John Charcol | Nicholas Mendes | Technical Manager |
| Private Finance | Shaun Church | Director |
| Coreco | Andrew Montlake | Managing Director |
| Enness Global | Islay Robinson | Founder & CEO |
| Habito | Ying Tan | Chief Executive Officer |
| Tembo Money | Richard Dana | Founder & CEO |
| Molo Finance | Francesca Carlesi | CEO |
| Better.co.uk | Vishal Garg | Founder & CEO (Group) |
| L&C Mortgages | David Hollingworth | Associate Director |
| Create Finance | Karl Yeoman | Director |
| LDN Finance | Delroy Corinaldi | Director |
| Brightstar Financial | Rob Jupp | CEO |
| Crystal Specialist Finance | Matthew Wyles | Executive Chairman |
| Impact Specialist Finance | Dale Jannels | Managing Director |
| Vibe Finance | Tony Brown | Director |
| First Mortgage | David Shearer | CEO |
| Manchester Money | Stuart Box | CEO |
| Yellow Brick Mortgages | Mark Mullen | Director |
| Cornerstone Finance Group | Ian Robertson | Director |
| Mortgage 1st | Darren Middleton | Director |
| Stonebridge Mortgage Solutions | Rob Clifford | Chief Executive |
| The Mortgage Mum | Sarah Tucker | Founder & CEO |
| Moneysprite | Ashley Brown | Founder |
| Firstxtra Financial Services | Jamie Lennox | Director |
| Access Financial Services | Karl Wilkinson | Director |
| MB Associates | Mark Bogard | Director |
| Premier One Mortgages | Paul McGowan | Director |
Information To Help With Their Decision, links:
Live Corruption Case Study: NatWest Group Scandal
How Long Before NatWest Group Situation Hits Critical Risk?
Why the NatWest Group Crisis Is Worse Than the Mandelson Crisis
If Mortgage Broker Wasn’t Informed By NatWest and Nationwide
1. Misrepresentation
If the lender (or another party) actively or negligently misrepresented their position, and the broker relied on that information, the broker could claim losses.
2. Breach of duty of care (negligence)
If there was a duty to disclose material issues, failure to do so could be negligent.
3. Breach of contract
If the broker had a contractual relationship with the lender (e.g. intermediary agreement) requiring transparency or disclosure, and that was breached, that’s a clearer route to a claim.