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

Get in touch

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.

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

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

Get in touch

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

An unrivalled commercial panel of lenders and brokers

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 Koodoo is an appointed representative of Julian Harris Mortgages Ltd, which 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, 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.

Koodoo Advice Ltd is registered in England & Wales with company number 14651824. Registered address Scale Space, Imperial College White City Campus, 58 Wood Lane, London, United Kingdom, W12 7RZ is an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority No. 304155.

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 Koodoo is an appointed representative of Julian Harris Mortgages Ltd, which 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, 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.

Koodoo Advice Ltd is registered in England & Wales with company number 14651824. Registered address Scale Space, Imperial College White City Campus, 58 Wood Lane, London, United Kingdom, W12 7RZ is an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority No. 304155.

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 Koodoo is an appointed representative of Julian Harris Mortgages Ltd, which 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, 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.

Koodoo Advice Ltd is registered in England & Wales with company number 14651824. Registered address Scale Space, Imperial College White City Campus, 58 Wood Lane, London, United Kingdom, W12 7RZ is an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority No. 304155.

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 Koodoo is an appointed representative of Julian Harris Mortgages Ltd, which 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, 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.

Koodoo Advice Ltd is registered in England & Wales with company number 14651824. Registered address Scale Space, Imperial College White City Campus, 58 Wood Lane, London, United Kingdom, W12 7RZ is an Appointed Representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority No. 304155.

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.