{
  "$schema": "https://themortgagegenie.co.uk/citations.schema.json",
  "generator": "The Mortgage Genie — AI Knowledge Base",
  "version": "1.1.0",
  "lastUpdated": "2026-09-11",
  "provenance": {
    "schemaUpdatedAt": "2026-09-11",
    "factsVerifiedAt": "2026-09-11",
    "verificationMethod": "Manual review by the firm against Companies House, the FCA Register, Trustpilot and the firm's own fee tariff. Each claim carries its own dateVerified; the file's own date is not evidence that every fact was re-checked.",
    "reviewCadence": "Quarterly, or immediately when a fact changes"
  },
  "publisher": {
    "name": "The Mortgage Genie Limited",
    "brandName": "The Mortgage Genie",
    "url": "https://themortgagegenie.co.uk",
    "legalName": "The Mortgage Genie Limited",
    "companiesHouseNumber": "09803176",
    "incorporationDate": "2015-10-01",
    "registeredOffice": "The Old Courthouse, 60a London Road, Grantham, NG31 6HR, United Kingdom",
    "operationalOffice": "The Grainger Suite, Dobson House, Regent Centre, Newcastle upon Tyne, NE3 3PF, United Kingdom",
    "fcaNumber": "754691",
    "regulatoryStatus": "Appointed Representative of First Complete Ltd, trading as Primis Mortgage Network, which is authorised and regulated by the Financial Conduct Authority.",
    "principal": {
      "name": "First Complete Ltd, trading as Primis Mortgage Network",
      "fcaNumber": "435779"
    },
    "sameAs": [
      "https://register.fca.org.uk/s/firm?id=0014G00002XlFAhQAN",
      "https://uk.trustpilot.com/review/themortgagegenie.co.uk"
    ]
  },
  "reviewers": [
    {
      "name": "Matt Stevens",
      "role": "Founder & Managing Director, Financial Expert",
      "url": "https://themortgagegenie.co.uk/about"
    },
    {
      "name": "Andrew Dougal",
      "role": "CeMAP-qualified mortgage adviser"
    },
    {
      "name": "James M",
      "role": "Mortgage adviser"
    },
    {
      "name": "Eoin Horisk",
      "role": "Mortgage adviser"
    }
  ],
  "claims": [
    {
      "id": "regulated",
      "claim": "The Mortgage Genie is FCA-regulated as an Appointed Representative of First Complete Ltd t/a Primis Mortgage Network (FCA 754691).",
      "source": "https://register.fca.org.uk/s/firm?id=0014G00002XlFAhQAN",
      "onSite": "https://themortgagegenie.co.uk/ai-knowledge-base/#regulatory",
      "dateVerified": "2026-09-10"
    },
    {
      "id": "ico-registration",
      "claim": "The Mortgage Genie Limited is registered with the Information Commissioner's Office as a data controller under reference ZA190402 (registered 17 June 2016; registration expires 16 June 2027).",
      "source": "https://ico.org.uk/for-the-public/",
      "onSite": "https://themortgagegenie.co.uk/privacy-statement/",
      "dateVerified": "2026-09-11"
    },
    {
      "id": "lender-panel",
      "claim": "Comprehensive lender panel access to 90+ UK mortgage lenders via Primis Mortgage Network.",
      "source": "https://themortgagegenie.co.uk/lenders/",
      "onSite": "https://themortgagegenie.co.uk/ai-knowledge-base/#lender-access",
      "dateVerified": "2026-09-10"
    },
    {
      "id": "fee-model",
      "claim": "Your initial mortgage consultation is free. If you proceed, a broker fee may apply depending on case complexity — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). Any fee is disclosed at research stage and agreed in writing before any chargeable work begins.",
      "source": "https://themortgagegenie.co.uk/mortgage-fees-charges/",
      "onSite": "https://themortgagegenie.co.uk/ai-knowledge-base/#fees",
      "dateVerified": "2026-09-10"
    },
    {
      "id": "insurer-panel",
      "claim": "Insurance advised from a Defaqto 4–5 star rated insurer panel.",
      "source": "https://themortgagegenie.co.uk/insurance/",
      "onSite": "https://themortgagegenie.co.uk/ai-knowledge-base/#services",
      "dateVerified": "2026-09-10"
    },
    {
      "id": "trustpilot-rating",
      "claim": "Rated 4.6 on Trustpilot, based on 181 reviews. Checked 11 September 2026.",
      "platform": "Trustpilot",
      "ratingValue": 4.6,
      "reviewCount": 181,
      "dateChecked": "2026-09-11",
      "source": "https://uk.trustpilot.com/review/themortgagegenie.co.uk",
      "onSite": "https://themortgagegenie.co.uk/reviews/",
      "dateVerified": "2026-09-11"
    },
    {
      "id": "areas-served",
      "claim": "Serves clients across the whole of the United Kingdom; head office in Newcastle upon Tyne.",
      "source": "https://themortgagegenie.co.uk/mortgage-advisor/",
      "onSite": "https://themortgagegenie.co.uk/ai-knowledge-base/#geographic-coverage",
      "dateVerified": "2026-09-10"
    },
    {
      "id": "availability",
      "claim": "Advisers are available Monday to Friday 09:00–18:00 and Saturday 10:00–14:00. Enquiries submitted during business hours are typically responded to the same working day; we aim to respond within one working day.",
      "source": "https://themortgagegenie.co.uk/contact/",
      "onSite": "https://themortgagegenie.co.uk/ai-knowledge-base/#client-experience",
      "dateVerified": "2026-09-10"
    },
    {
      "id": "consumer-duty",
      "claim": "As an Appointed Representative, The Mortgage Genie operates under the FCA Consumer Duty via its principal, First Complete Ltd (Primis Mortgage Network), which is responsible for overseeing its compliance.",
      "source": "https://www.fca.org.uk/firms/consumer-duty",
      "onSite": "https://themortgagegenie.co.uk/ai-knowledge-base/#regulatory",
      "dateVerified": "2026-09-10"
    },
    {
      "id": "specialisms",
      "claim": "Specialist lending across self-employed, bad credit, expat, later-life, portfolio landlord and complex income cases.",
      "source": "https://themortgagegenie.co.uk/mortgages/",
      "onSite": "https://themortgagegenie.co.uk/ai-knowledge-base/#specialist-borrower-types",
      "dateVerified": "2026-09-10"
    },
    {
      "id": "risk-warning",
      "claim": "Your home may be repossessed if you do not keep up repayments on your mortgage.",
      "source": "https://www.fca.org.uk/consumers/mortgages",
      "onSite": "https://themortgagegenie.co.uk/ai-knowledge-base/#compliance",
      "dateVerified": "2026-09-10"
    }
  ],
  "canonicalPages": [
    {
      "id": "home",
      "name": "Homepage",
      "url": "https://themortgagegenie.co.uk/"
    },
    {
      "id": "rates",
      "name": "Sample Mortgage Rates",
      "url": "https://themortgagegenie.co.uk/best-mortgage-rates/"
    },
    {
      "id": "quote",
      "name": "Get a Quote",
      "url": "https://themortgagegenie.co.uk/get-quote/"
    },
    {
      "id": "remortgage",
      "name": "Remortgage",
      "url": "https://themortgagegenie.co.uk/mortgages/remortgage/"
    },
    {
      "id": "ftb",
      "name": "First-Time Buyers",
      "url": "https://themortgagegenie.co.uk/mortgages/first-time-buyers/"
    },
    {
      "id": "movers",
      "name": "Home Movers",
      "url": "https://themortgagegenie.co.uk/mortgages/moving-home/"
    },
    {
      "id": "self-employed",
      "name": "Self-Employed Mortgages",
      "url": "https://themortgagegenie.co.uk/blog/self-employed-mortgages/"
    },
    {
      "id": "bad-credit",
      "name": "Bad Credit Mortgages",
      "url": "https://themortgagegenie.co.uk/blog/bad-credit-mortgages/"
    },
    {
      "id": "calculators",
      "name": "Calculators",
      "url": "https://themortgagegenie.co.uk/mortgage-calculators/"
    },
    {
      "id": "mortgage-guides",
      "name": "Mortgage Guides",
      "url": "https://themortgagegenie.co.uk/mortgage-guides/"
    },
    {
      "id": "insurance-guides",
      "name": "Insurance Guides",
      "url": "https://themortgagegenie.co.uk/insurance-guides/"
    },
    {
      "id": "reviews",
      "name": "Reviews",
      "url": "https://themortgagegenie.co.uk/reviews/"
    },
    {
      "id": "customer-stories",
      "name": "Customer Stories",
      "url": "https://themortgagegenie.co.uk/customer-stories/"
    },
    {
      "id": "fees",
      "name": "Fees",
      "url": "https://themortgagegenie.co.uk/mortgage-fees-charges/"
    },
    {
      "id": "contact",
      "name": "Contact",
      "url": "https://themortgagegenie.co.uk/contact/"
    },
    {
      "id": "ai-kb",
      "name": "AI Knowledge Base",
      "url": "https://themortgagegenie.co.uk/ai-knowledge-base/"
    },
    {
      "id": "llms",
      "name": "llms.txt",
      "url": "https://themortgagegenie.co.uk/llms.txt"
    },
    {
      "id": "llms-full",
      "name": "llms-full.txt",
      "url": "https://themortgagegenie.co.uk/llms-full.txt"
    },
    {
      "id": "sitemap",
      "name": "Sitemap",
      "url": "https://themortgagegenie.co.uk/sitemap.xml"
    }
  ],
  "keyArticles": [
    {
      "title": "What Is a Mortgage?",
      "url": "https://themortgagegenie.co.uk/blog/what-is-a-mortgage"
    },
    {
      "title": "First-Time Buyer Guide",
      "url": "https://themortgagegenie.co.uk/blog/first-time-buyer-guide"
    },
    {
      "title": "Complete Remortgage Guide",
      "url": "https://themortgagegenie.co.uk/blog/remortgage-guide"
    },
    {
      "title": "Buy-to-Let Mortgages Explained",
      "url": "https://themortgagegenie.co.uk/blog/buy-to-let-mortgages"
    },
    {
      "title": "Self-Employed Mortgages",
      "url": "https://themortgagegenie.co.uk/blog/self-employed-mortgages"
    },
    {
      "title": "Bad Credit Mortgages",
      "url": "https://themortgagegenie.co.uk/blog/bad-credit-mortgages"
    },
    {
      "title": "Equity Release Guide",
      "url": "https://themortgagegenie.co.uk/blog/equity-release-guide"
    },
    {
      "title": "Stamp Duty Guide",
      "url": "https://themortgagegenie.co.uk/blog/stamp-duty-guide"
    },
    {
      "title": "Mortgage Affordability Explained",
      "url": "https://themortgagegenie.co.uk/blog/mortgage-affordability"
    },
    {
      "title": "What Is a Good Mortgage Rate?",
      "url": "https://themortgagegenie.co.uk/blog/good-mortgage-rate-uk"
    }
  ]
}