Our Commitment to you and your customers

Fair Value Assessment

At Gable Mortgages, we are dedicated to delivering consistently high standards of service and achieving good outcomes for our customers. The Financial Conduct Authority's (FCA) Consumer Duty introduces enhanced requirements for both lenders and intermediaries, setting clearer and more demanding standards of consumer protection across financial services. This Duty reinforces the obligation on firms such as ours to act in good faith, avoid foreseeable harm, and support customers in pursuing their financial objectives.

As part of our ongoing response to the Consumer Duty, we continuously review our product range, supporting materials, and end-to-end customer journeys. These reviews are intended to promote clarity, reinforce the value of our offerings, and ensure they remain appropriate for our target market. In turn, this enables you to develop a deeper understanding of our products and confidently support your customers in making informed, responsible mortgage decisions.

The FCA's consumer duty rules require that we must:

Conduct a value assessment of our products and review that assessment on a regular basis, appropriate to the nature and duration of the product. Our Broker Information Sheets, containing the results of our fair value assessments, are now available below, which will allow you to meet your obligations under the Consumer Duty rules, applicable from 31st July 2023.
As of the 31st of July 2023, we now ensure that our products provide fair value to retail customers in the target markets for those products.
For more information on the roles and responsibilities of Gable Mortgages and its intermediary partners in relation to the FCA's Consumer Duty, please refer to the T&Cs and Intermediary agreement in your Broker Portal.

If you have any queries, please get in touch.