financial services authority mortgage effectiveness review stage 1 report september 2006 contents executive summary 2 introduction 6 methodology 9 findings 12 outcome consumers shop around for mortgages understand whether they are being given advice or information by firms 22 3 better the risks and features of take out including affordability 26 4 suitable good value 29 analysis conclusions next steps 34 annex consumer outcomes related indicators example key facts illustration kfi initial disclosure document idd you can afford your now but what if leaflet 5 market impact study references clive briault lending landscape post october 31 s view 7 dec 04 www fsa gov uk pages library communication speeches 2004 sp217 shtml overview we began a regime at end 2005 in line with commitment made is
