Mortgage Fixed Becomes Directly Authorised by the FCA: What It Means for Clients and Partners

Mortgage Fixed has started 2026 with a major milestone, becoming a Directly Authorised firm regulated by the Financial Conduct Authority (FCA).

A New Chapter, Same Service

While the regulatory badge is changing, everything clients and partners value about Mortgage Fixed remains firmly in place. You will still work with the same trusted advisers, enjoy the same whole of market approach to mortgage advice, and benefit from the same high standards of personal service.

Full FCA regulation and FSCS protection also remain unchanged, so your peace of mind and protections are exactly as before.

More Flexibility to Shape Better Outcomes

Becoming Directly Authorised gives Mortgage Fixed greater independence to design its service and processes around what matters most to clients, introducers and partners. With more control over compliance and systems, this creates space for ongoing innovation, so the proposition can continue to evolve as the market and customer needs change.

Benefits for Clients

For clients, the headline is reassuringly simple: the experience you know, with added flexibility and improved tools.

You will continue to have whole of market access to a broad range of lenders, ensuring competitive options whether you are buying, remortgaging or investing. Protection advice also steps up a gear, with wider access to providers and tailored solutions to help safeguard you and your family.

In 2026, Mortgage Fixed is also rolling out a new personal client portal to make managing your mortgage and protection even easier. Through this secure online space you will be able to upload and store documents, review mortgage offers and recommendation letters, and message your adviser during and after your application.

You will also be able to control what updates you receive, giving you more choice over how and when you stay in touch.

Benefits for Partners and Introducers

For partners, introducers and professional connections, Direct Authorisation means working with a firm that has full regulatory responsibility and the freedom to refine its own systems.

This makes it easier to align processes, reduce duplication and create a smoother experience for your clients. The whole of market proposition and enhanced protection panel support more nuanced recommendations, helping you add value while knowing clients remain under robust FCA oversight and FSCS protection.

The new client portal will offer clearer visibility of documentation and communication, making it simpler to keep cases moving and ensure clients feel informed at every stage.

Looking Ahead

Craig, Ross and the team are clear that this move is about building on firm foundations rather than changing the Mortgage Fixed proposition.

The goal is to keep the same friendly, personal advice experience while using their new independence to streamline processes and embrace smarter technology. As 2026 unfolds, clients, introducers and partners can expect the same faces, the same values — and an even more efficient way to secure the right mortgage and protection solutions.