A Mortgage Broker / Intermediary is "a person (other than a mortgage lender or credit institution) who, in return for commission or some other form of consideration:
(a) arranges, or offers to arrange, for a mortgage lender to provide a consumer with a housing loan, or
(b) introduces a consumer to an intermediary who arranges, or offers to arrange, for a mortgage lender to provide the consumer with such a loan”
It is an offence for a person to engage in the business of being a mortgage intermediary unless
- he/she is the holder of an authorisation granted for that purpose by the Central Bank; and
- holds a letter of appointment in writing from each undertaking for which he/she is an intermediary.
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Further details on how to become authorised are included in the Authorisation Process Page.