Mortgage Credit Directive
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30 Minutes -
For all staff
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UK
The Mortgage Credit Directive applies to firms dealing with first-charge, second-charge and buy-to-let mortgages, and exists to protect consumers taking credit secured on residential property. This 30-minute course explains what the MCD is, how it affects each of those lending types, and how to comply with the documentation and procedural requirements it introduced.
The MCD brought second-charge and consumer buy-to-let lending into a framework many firms had not previously worked within, and the differences between the categories are easy to lose in practice. Applying the wrong process to the wrong product creates a documentation failure across a whole book. Training staff on where each regime applies protects file quality and reduces remediation risk.
What you’ll learn in
this course
- Explain what the EU MCD is
- Understand how the MCD impacts first charge, second charge and buy-to-let mortgages
- Comply with the documentation and procedural requirements of the MCD
Hear from our customers
Feefo Customer Rating ★★★★★ 4.9/5
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