The services we can provide will depend on your status

Are you an IFA or a mortgage broker?

If you write mortgage business and add on the protection, ASU or buildings & contents business then we generally regard you as a mortgage broker. We would equally regard you as the same if you wrote any variation i.e. say just protection business. This is important in that it determines the fees payable. Similarly, if you write Investment business (including pensions) then we regard you as an IFA even if you additionally do mortgages/protection, etc.

Our services cater for IFAs and mortgage brokers, whether you wish to become an Appointed Representative of a network, or require compliance services only (as an FSA directly authorised firm).

	Network	Compliance Services
IFA	Network Membership for IFAs	Whitechurch Direct for IFAs
Mortgage broker	Network Membership for mortgage brokers	Whitechurch Direct for mortgage brokers

Mortgages

Mortgages have now been regulated since 31st October and similarly General Insurance from 14th January 2005, and at Whitechurch we have extended our permissions with the FSA to cater for both areas of business.

However, with General Insurance business we have only extended our permission as far as Buildings & Contents insurance - we have found this caters for 99% of membership who may sell this type of business alongside (say) a mortgage sale. Protection business / health insurance / ASU etc. has of course been included in that extension list ('technically' it's General Insurance business) but we feel these areas have always been regarded as regulated anyway.

Switching

Because of the varying propositions on offer it is easy for firms to change their strategy and move from one to the other - all at nil cost of course.