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The platform powering the financial services industry
The platform powering the financial services industry
The platform powering the financial services industry
The platform powering the financial services industry
We work with fintechs, property portals, price comparison sites and lenders to leverage cutting-edge technology, such as artificial intelligence, to supercharge their financial services offering
We work with fintechs, property portals, price comparison sites and lenders to leverage cutting-edge technology, such as artificial intelligence, to supercharge their financial services offering
We work with fintechs, property portals, price comparison sites and lenders to leverage cutting-edge technology, such as artificial intelligence, to supercharge their financial services offering
We work with fintechs, property portals, price comparison sites and lenders to leverage cutting-edge technology, such as artificial intelligence, to supercharge their financial services offering
Contact us
Traffic split
Traffic split
Traffic split
First time buyers
First time buyers
First time buyers
Home movers
Home movers
Home movers
Remortgagers
Remortgagers
Remortgagers
Buy to let
Buy to let
Buy to let
Funnel
Funnel
Funnel
Searches
Apply clicks
Advice leads created
Applications submitted
Completions
Total searches
Total searches
Total searches
1d
1w
1m
10k
8k
6k
4k
2k
0
AI-driven solutions, revolutionising the finance industry
AI-driven solutions, revolutionising the finance industry
AI-driven solutions, revolutionising the finance industry
Improve customer comms outcomes, with Koodoo’s AI-powered Call Checker
Find out more
Hit 100% compliance oversight for your comms
Increase your compliance oversight and reporting with AI-powered transcription and auditing capabilities
Feedback and alerting in minutes, not weeks
Instantly get alerted to issues and quickly rectify mistakes, decreasing the potential for customer complaints
Custom checks, tailored to your compliance process
Create bespoke checks that are fully customised to your use-cases, ensuring they are full aligned with your internal compliance process and policies
Dashboard
All reports
Assigned to me
40
Unassigned
28
Flagged
2
Archived
Find a call
New call report
Client82304_FactFindCall_30/11/2023 new procedures
Reviewed
03/01/2023
Assignee
Geraldine Granger
75% passed
Failed checks
2
Please check transcript
3
Passed checks
15
Customer identified
The agent began the call be asking the client 2 out of a possible 3 questions to verify the client’s identity before proceeding with the call
Is this correct?
Initial disclosure read aloud to client
The agent read aloud the initial disclosure script, informing the client that the call was being recorded and might be used for monitoring and training purposes
Is this correct?
Closing statements confirmed with client
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
Is this correct?
Title
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
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Title
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
Is this correct?
Title
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
Is this correct?
Title
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
Is this correct?
Transcript
Agent
Mo Abas
0:00
Mo Abas
Hi Steve, it’s me Mo, your mortgage broker. I’m just calling to start our appointment, how are you?
0:12
Client
Hi Emily, I’m alright thank you. I feel a bit stressed with this whole mortgage situation but hopefully you can help me, I don’t know where to start!
0:21
Mo Abas
That’s what I’m here for, don’t worry I’ll explain everything for you to help you understand. You’re a first time buyer, so can I start by asking if you have found a property to purchase yet?
0:29
Client
Yes we’ve had an offer accepted on a property, shall I give you the address?
0:00
John Doe
Yes please, that would be great.
0:00
Speaker 2
It’s 3 Oundle Drive NN7 7DB.
0:00
Speaker 1
Perfect thank you, I can see you’ve submitted some details for us but I’ll just confirm this again with you. You’ve declared yourself as British, is that correct?
0:00
Speaker 2
Yep
0:00
Speaker 1
How much are you looking to borrow?
0:00
Speaker 2
£300,000
0:00
Speaker 1
What is the property value?
0:00
Speaker 2
£400,000
0:00
Speaker 1
Have you thought about how long you want your mortgage term to be or what budget you have for monthly payments?
0:00
Speaker 2
I think I can afford £1500 per month, and maybe 25 or 30 years?
0:00
Speaker 1
Great thank you, do you know what type of product you would prefer, a fixed or a variable?
0:00
Speaker 2
What’s the difference? I think if it stayed the same I’d prefer that
0:00
Speaker 1
So that would be a fixed product, which stays the same for a chosen period of time, whereas a variable product would change your payments according to the bank of england base rate
0:00
Speaker 2
I definitely want a fixed one then!
0:00
Speaker 1
Great, just let me know if you want to see a comparison at all. Next, have you thought about how long you would like to fix in for? Any plans to move, major life events coming up, any children to consider?
0:00
Speaker 2
No kids, I’m single, but I want to move house in the next 5 years I’d say, so can I look at 2 and 5 maybe?
0:00
Speaker 1
Yes that’s fine, I’ll look into 2 and 5 year fixed products for you. In terms of fees, some lenders will have an arrangement fee that can either be paid upfront or added to the loan. Do you have a preference?
0:00
Speaker 2
I don’t know really, is there anything I need to know before I make a decision on that?
0:00
Speaker 1
Adding your fees to the loan incurs interest over the course of the mortgage term, but you have the option of overpaying this amount on completion to avoid that. You also don’t have to pay the fee if for any reason the application doesn’t complete. Paying the fee upfront can mean that the fee is sometimes non-refundable, I’d let you know if that was the case when we have a lender recommended for you. I generally advise applicants to add the fee and overpay on completion to avoid the interest and likelihood of a non-refundable fee.
0:00
Speaker 2
It sounds like I’d be better off adding and paying off on completion then.
0:00
Speaker 1
I’ll just read our disclaimer on this out for you so you fully understand. You have chosen to add the lender’s fee to your mortgage loan. This will incur interest over the course of the mortgage term. If the case does not complete you will not be subject to any lender fees. You also have the option of overpaying this on completion to avoid incurring interest.
0:00
Speaker 2
Great, thanks
0:00
Speaker 1
Do you think you’d want this mortgage on a repayment or interest only basis? Repayment means the capital and interest is paid back to the lender, whereas an interest only payment method means you’d only be paying the interest, with the full loan amount outstanding at the end of the mortgage term. I need to let you know there are more stringent types of checks in place for this type of lending. Let me know which option you prefer and we can take it from there.
0:00
Speaker 2
Repayment, I’d much prefer that
0:00
Speaker 1
Okay that’s been noted, thank you. I have your income and declared outgoings here from the form you filled in, as well as the address history etc so I’ll start looking into some lenders for you and will get back to you in the next 2 working days, is that okay? And do let me know if anything you’ve declared changes at all so I can ensure your recommendation is suitable.
0:00
Speaker 2
Yeah that’s fine, thanks for your help! I’ve paid off one of my credit cards but I know it takes a while to clear, I don’t know how to declare that.
0:00
Speaker 1
No problem at all, I’ll look into that for you. And just to confirm what you’re looking for. It’s £300,000 to purchase a property value of £400,000, a preferred mortgage term between 25-30 years considering a budget of £1500 a month on a repayment basis. You’d prefer stability so a fixed rate for either 2 or 5 years. You’ve opted to add the fee to the loan and overpay on completion.
0:00
Speaker 2
Yep all correct, thanks!
0:00
Speaker 1
Okay, thank you. Oh I just need to let you know that our calls are recorded for training and monitoring purposes. Take care.
0:00
Speaker 2
Standard, bye!
Client Call.mp3
0:00 / 6:12
Dashboard
All reports
Assigned to me
40
Unassigned
28
Flagged
2
Archived
Find a call
New call report
Client82304 FactFindCall 30/11/2023
Reviewed
03/01/2023
Assignee
Geraldine Granger
75% passed
Failed checks
2
Please check transcript
3
Passed checks
15
Customer identified
The agent began the call be asking the client 2 out of a possible 3 questions to verify the client’s identity before proceeding with the call
Is this correct?
Initial disclosure read aloud to client
The agent read aloud the initial disclosure script, informing the client that the call was being recorded and might be used for monitoring and training purposes
Is this correct?
Closing statements confirmed with client
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
Is this correct?
Title
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
Is this correct?
Title
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
Is this correct?
Title
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
Is this correct?
Title
Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Yorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis.
Is this correct?
Transcript
Agent
Mo Abas
0:00
Mo Abas
Hi Steve, it’s me Mo, your mortgage broker. I’m just calling to start our appointment, how are you?
0:12
Client
Hi Emily, I’m alright thank you. I feel a bit stressed with this whole mortgage situation but hopefully you can help me, I don’t know where to start!
0:21
Mo Abas
That’s what I’m here for, don’t worry I’ll explain everything for you to help you understand. You’re a first time buyer, so can I start by asking if you have found a property to purchase yet?
0:29
Client
Yes we’ve had an offer accepted on a property, shall I give you the address?
0:00
John Doe
Yes please, that would be great.
0:00
Speaker 2
It’s 3 Oundle Drive NN7 7DB.
0:00
Speaker 1
Perfect thank you, I can see you’ve submitted some details for us but I’ll just confirm this again with you. You’ve declared yourself as British, is that correct?
0:00
Speaker 2
Yep
0:00
Speaker 1
How much are you looking to borrow?
0:00
Speaker 2
£300,000
0:00
Speaker 1
What is the property value?
0:00
Speaker 2
£400,000
0:00
Speaker 1
Have you thought about how long you want your mortgage term to be or what budget you have for monthly payments?
0:00
Speaker 2
I think I can afford £1500 per month, and maybe 25 or 30 years?
0:00
Speaker 1
Great thank you, do you know what type of product you would prefer, a fixed or a variable?
0:00
Speaker 2
What’s the difference? I think if it stayed the same I’d prefer that
0:00
Speaker 1
So that would be a fixed product, which stays the same for a chosen period of time, whereas a variable product would change your payments according to the bank of england base rate
0:00
Speaker 2
I definitely want a fixed one then!
0:00
Speaker 1
Great, just let me know if you want to see a comparison at all. Next, have you thought about how long you would like to fix in for? Any plans to move, major life events coming up, any children to consider?
0:00
Speaker 2
No kids, I’m single, but I want to move house in the next 5 years I’d say, so can I look at 2 and 5 maybe?
0:00
Speaker 1
Yes that’s fine, I’ll look into 2 and 5 year fixed products for you. In terms of fees, some lenders will have an arrangement fee that can either be paid upfront or added to the loan. Do you have a preference?
0:00
Speaker 2
I don’t know really, is there anything I need to know before I make a decision on that?
0:00
Speaker 1
Adding your fees to the loan incurs interest over the course of the mortgage term, but you have the option of overpaying this amount on completion to avoid that. You also don’t have to pay the fee if for any reason the application doesn’t complete. Paying the fee upfront can mean that the fee is sometimes non-refundable, I’d let you know if that was the case when we have a lender recommended for you. I generally advise applicants to add the fee and overpay on completion to avoid the interest and likelihood of a non-refundable fee.
0:00
Speaker 2
It sounds like I’d be better off adding and paying off on completion then.
0:00
Speaker 1
I’ll just read our disclaimer on this out for you so you fully understand. You have chosen to add the lender’s fee to your mortgage loan. This will incur interest over the course of the mortgage term. If the case does not complete you will not be subject to any lender fees. You also have the option of overpaying this on completion to avoid incurring interest.
0:00
Speaker 2
Great, thanks
0:00
Speaker 1
Do you think you’d want this mortgage on a repayment or interest only basis? Repayment means the capital and interest is paid back to the lender, whereas an interest only payment method means you’d only be paying the interest, with the full loan amount outstanding at the end of the mortgage term. I need to let you know there are more stringent types of checks in place for this type of lending. Let me know which option you prefer and we can take it from there.
0:00
Speaker 2
Repayment, I’d much prefer that
0:00
Speaker 1
Okay that’s been noted, thank you. I have your income and declared outgoings here from the form you filled in, as well as the address history etc so I’ll start looking into some lenders for you and will get back to you in the next 2 working days, is that okay? And do let me know if anything you’ve declared changes at all so I can ensure your recommendation is suitable.
0:00
Speaker 2
Yeah that’s fine, thanks for your help! I’ve paid off one of my credit cards but I know it takes a while to clear, I don’t know how to declare that.
0:00
Speaker 1
No problem at all, I’ll look into that for you. And just to confirm what you’re looking for. It’s £300,000 to purchase a property value of £400,000, a preferred mortgage term between 25-30 years considering a budget of £1500 a month on a repayment basis. You’d prefer stability so a fixed rate for either 2 or 5 years. You’ve opted to add the fee to the loan and overpay on completion.
0:00
Speaker 2
Yep all correct, thanks!
0:00
Speaker 1
Okay, thank you. Oh I just need to let you know that our calls are recorded for training and monitoring purposes. Take care.
0:00
Speaker 2
Standard, bye!
Client Call.mp3
0:00 / 6:12
75%
75%
Compliance score
Compliance assistant
Compliance assistant
3
3
Actions required
Actions required
Passed checks
15
Customer identified
Customer identified
The agent began the call be asking the client 2 out of a possible 3 questions to verify the client’s identity before proceeding with the call
The agent began the call be asking the client 2 out of a possible 3 questions to verify the client’s identity before proceeding with the call
Is result correct?
Initial disclosure read aloud to client
The agent read aloud the initial disclosure script, informing the client that the call was being recorded and might be used for monitoring and training purposes
The agent read aloud the initial disclosure script, informing the client that the call was being recorded and might be used for monitoring and training purposes
Is result correct?
75%
Compliance score
Ensure 100% “right-first-time” document packaging with Koodoo’s AI-powered Document Checker
Ensure 100% “right-first-time” document packaging with Koodoo’s AI-powered Document Checker
Ensure 100% “right-first-time” document packaging with Koodoo’s AI-powered Document Checker
Find out more
Validate documents at the time of upload
Give users instant feedback on whether their documents are valid, helping them catch any mistakes immediately, and ensuring a streamlined review process for your packaging and underwriting teams
Reduce your team’s document review time
Prevent the under-provision and over-provision of documents, protecting the time of your underwriters and operations teams
Plug and play document validation
Integrating seamlessly with your existing application portals and providing services from data-extraction to fraud-detection, our API is your one-stop-shop for your document packaging needs
Bank statement.pdf
200MB - Uploading
Add your payslips
Tap to upload or drag your last 3 months of paylslips
max 200MB
payslip.pdf
200MB - Uploaded
payslip.jpg
200MB - Uploaded
payslip.png
Your file was not from the last 3 months
200MB - Uploaded
Add payslips
POST
/documents/verify
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{
"documents": [
{
"document_ref": "file_1.pdf",
"expected_type": "payslip",
"file_content": "<
},
{
"document_ref": "file_2.pdf",
"expected_type": "payslip",
"file_content": "<
}
],
"rules": {
"all_documents": {
"first_name": "John",
"last_name": "Doe",
"dob": "01-01-1990"
},
"across_documents": {
"minimum_valid_documnents_count": 3,
"verify_continuous_date_range": true,
"continuous_date_range_tolerance_days": 7,
"date_range_expectation" : {
"gt": "from_date",
"lt": "to_date"
}
}
}
}
Add your payslips
Tap to upload or drag your last 3 months of paylslips
max 200MB
payslip.pdf
200MB - Uploaded
payslip.jpg
200MB - Uploaded
payslip.png
Your file was not from the last 3 months
200MB - Uploaded
Add payslips
POST
/documents/verify
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{
"documents": [
{
"document_ref": "file_1.pdf",
"expected_type": "payslip",
"file_content": "<>"
},
{
"document_ref": "file_2.pdf",
"expected_type": "payslip",
"file_content": "<>"
}
],
"rules": {
"all_documents": {
"first_name": "John",
"last_name": "Doe",
"dob": "01-01-1990"
},
"across_documents": {
"minimum_valid_documnents_count": 3,
"verify_continuous_date_range": true,
"continuous_date_range_tolerance_days": 7,
"date_range_expectation" : {
"gt": "from_date",
"lt": "to_date"
}
}
}
}
Bank statement.pdf
200MB - Uploading
POST
/documents/verify
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{
"documents": [
{
"document_ref": "file_1.pdf",
"expected_type": "payslip",
"file_content": "<
},
{
"document_ref": "file_2.pdf",
"expected_type": "payslip",
"file_content": "<
}
],
"rules": {
"all_documents": {
"first_name": "John",
"last_name": "Doe",
"dob": "01-01-1990"
},
"across_documents": {
"minimum_valid_documnents_count": 3,
"verify_continuous_date_range": true,
"continuous_date_range_tolerance_days": 7,
"date_range_expectation" : {
"gt": "from_date",
"lt": "to_date"
}
}
}
}
Payslip jan.pdf
200MB - Uploaded
This payslip is not from the last 3 months
Explore how AI could transform your business with Koodoo's consultative services
Explore how AI could transform your business with Koodoo's consultative services
Explore how AI could transform your business with Koodoo's consultative services
Get in touch
Team up with the leaders in AI for the UK financial services industry
From building innovative application portals to internal operations tools, Koodoo have a track record of working with market-leading lenders to revolutionise the financial services sector
Work with a trusted delivery partner
Connect your customers with 100+ leading lenders and brokers
Koodoo have already delivered multiple technology projects for leading UK lenders and are a tried and tested partner
Tailored solutions for your bespoke use-case
We work with you to build what you need to optimise your workflow, leveraging market-leading technologies and our expertise to build you the best solution
For fintechs, property and price comparison sites
Mortgage journeys that engage and convert your users
Mortgage comparison that powers hundreds of thousands of searches every month
No matter your scale, Koodoo’s modern technology and market-leading mortgage journeys can provide your customers with a seamless, transparent and empowering experience
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Allow your customers to search products from over 100 top UK lenders in the market, maximising your conversion and helping ensure they get the best possible deal
Get started fast with our pre-built journeys
Fast-track supercharging your mortgage vertical, whilst retaining the look, feel and tone of voice of your brand
Seamless access to advice when your customers need it most
Decrease drop-off by increasing customer confidence
Give customers the advice they need, when they need it and increase their likelihood to transact through your site
Convenience that converts
Allow your customers to browse mortgages, get advice and chose when to book speak to an adviser all in one place, making for a seamless experience
For lenders
For lenders
For lenders
Whether your focus is retaining existing customers, or acquiring new ones, Koodoo help leading lenders transform their mortgage distribution
Acquire your target customers digitally, at scale
Channel your target customers directly to your lender portal through Koodoo’s network of leading fintechs, property portals and price comparison sites and harness data to pre-qualify customers and reduce acquisition and processing costs
Retain your most valuable customers
Target your existing customers who are shopping around by surfacing your retention products directly on the sites they’re browsing on, providing your with a great chance of retaining them
Enhance your mortgage product design
Whether you’re looking to increase your market share, improve your margins, or simply maintain your risk profile, Koodoo’s data insights can help inform how you design products
You’re in good company
Koodoo are already working with leading lenders to redefine the mortgage process. Get in touch to see how we can help you.
Scale Space,
58 Wood Lane,
London
W12 7RZ
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA. For Mortgages and Protection, Mortgage Power Limited (trading as “Koodoo” and “Koodoo Advice”) is authorised and regulated by the Financial Conduct Authority.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Mortgage Power Limited, trading as "Koodoo" and "Koodoo Advice", is registered in England and Wales with company number 10978680 and ICO registration ZA560572 and is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 845978). You can check the Financial Services Register here.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.
Scale Space,
58 Wood Lane,
London
W12 7RZ
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA. For Mortgages and Protection, Mortgage Power Limited (trading as “Koodoo” and “Koodoo Advice”) is authorised and regulated by the Financial Conduct Authority.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Mortgage Power Limited, trading as "Koodoo" and "Koodoo Advice", is registered in England and Wales with company number 10978680 and ICO registration ZA560572 and is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 845978). You can check the Financial Services Register here.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.
Scale Space,
58 Wood Lane,
London
W12 7RZ
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA. For Mortgages and Protection, Mortgage Power Limited (trading as “Koodoo” and “Koodoo Advice”) is authorised and regulated by the Financial Conduct Authority.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Mortgage Power Limited, trading as "Koodoo" and "Koodoo Advice", is registered in England and Wales with company number 10978680 and ICO registration ZA560572 and is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 845978). You can check the Financial Services Register here.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.
Scale Space,
58 Wood Lane,
London
W12 7RZ
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA. For Mortgages and Protection, Mortgage Power Limited (trading as “Koodoo” and “Koodoo Advice”) is authorised and regulated by the Financial Conduct Authority.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Mortgage Power Limited, trading as "Koodoo" and "Koodoo Advice", is registered in England and Wales with company number 10978680 and ICO registration ZA560572 and is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 845978). You can check the Financial Services Register here.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.