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Gibraltar Mortgage Credit Intermediary License

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Gibraltar Mortgage Credit Intermediary

A Gibraltar Mortgage Credit Intermediary is a licensed individual or entity authorised to provide advice, arrange, or assist consumers with mortgage credit agreements within Gibraltar's well-regulated financial sector, overseen by the Gibraltar Financial Services Commission (GFSC). This license category ensures that anyone offering mortgage-related advisory or arranging services meets strict professional and financial standards designed to protect consumers entering into significant long-term financial commitments. Neptune Fiduciaries helps clients obtain their Mortgage Credit Intermediary license in Gibraltar, ensuring full compliance with all GFSC requirements from the very beginning.

Applicants must submit an application pack with all relevant documents. A Mortgage Credit Intermediary is required to hold an initial and ongoing capital as follows:

Minimum Fixed Capital Amount

Mortgage Credit Intermediaries in Gibraltar must hold a minimum fixed capital sum as set by the GFSC, ensuring the firm has adequate financial resources in place from the outset to support its ongoing advisory and arranging activities.

Percentage of Annual Income Threshold

Alongside the fixed capital requirement, intermediaries may also need to maintain capital calculated as a percentage of their relevant annual income, ensuring larger firms with higher transaction volumes hold proportionately greater financial reserves.

Professional Indemnity Insurance Coverage

In addition to capital requirements, Mortgage Credit Intermediaries must hold adequate professional indemnity insurance, providing financial protection for clients in the event of errors, negligence, or misconduct during the course of business.

Ongoing Capital Maintenance Obligation

Licensed intermediaries must continuously maintain the required capital threshold throughout their operations and promptly notify the GFSC of any material change in their financial position that could affect their ability to meet this obligation.

Get in Touch

For further details, please contact Neptune Fiduciaries via email info@neptunecorporate.com or sales@neptunecorporate.com or visit our Contact Us page.

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