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Status: Please note you should read all Brexit changes to the FCA Handbook and BTS alongside the main FCA transitional directions. Where these directions apply the 'standstill', firms have the choice between complying with the pre-IP completion day rules, or the post-IP completion day rules. To see a full list of Handbook modules affected, please see Annex B to the main FCA transitional directions.


    20(in MCOB) the illustration of the costs and features of a regulated mortgage contract or home reversion plan47 which is required to be provided by MCOB 5 (Pre-application disclosure), MCOB 6 (Disclosure at the offer stage), MCOB 7 (Disclosure at start of contract and after sale) and MCOB 9 (Equity release47: product disclosure) and the template for which is set out:47

      1. 47(a) for a regulated mortgage contract other than a lifetime mortgage, at MCOB 5 Annex 1;
      1. 47(b) for a lifetime mortgage, at MCOB 9 Annex 1; and
      1. 47(c) for a home reversion plan, at MCOB 9 Annex 2.