Search the lender or broker on the FCA’s Financial Services Register at register.fca.org.uk, checking its trading name, contact details and permission to arrange or provide mortgages. Use the contact details shown on the Register rather than links in an advert, as clone firms can pretend to be authorised businesses. An advertised rate is not guaranteed and may depend on your circumstances, deposit, credit history and affordability. If you need advice, consider speaking to an FCA-authorised mortgage adviser and verify their details on the Register.