Regulated Mortgage Contracts

Oakbridge is Authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA register number is 453642

Oakbridge has permission to:

  • Carry on a Regulated Activity
  • Make arrangements with a view to a Regulated Mortgage Contract
  • Administer a Regulated Mortgage Contract
  • Enter into a Regulated Mortgage Contract as lender
  • Advise on a Regulated Mortgage Contract
  • Arrange (bring about) a Regulated Mortgage Contract

In broad terms, a regulated mortgage contract must meet the following conditions at the time it is entered into:

  • the borrower must be an individual(s) or a trustee(s)
  • the lender takes a charge over property in the UK and
  • at least 40% of the property is used or intended to be used as a dwelling.

Oakbridge is registered with the FCA for Consumer Buy To Let business as follows:

  • Consumer buy-to-let lender
  • Consumer buy-to-let administrator
  • Consumer buy-to-let arranger
  • Consumer buy-to-let advisor

The FCA do not Regulate the following:

  • buy-to-let mortgages, (other than consumer BTL);
  • loans to companies.