Under the Consumer Protection Code, which requirement must Sarah satisfy when advertising mortgage broker services?

• A. not receive remuneration from a mortgage provider.
• B. ensure that at least 15% of her annual turnover is from mortgage services provided on a fair analysis of the market and not receive remuneration from the mortgage lender.
• C. ensure that at least 10% of her annual turnover is from mortgage services that are provided on a fair analysis of the market.
• D. allow her customers the option to pay in full for the services.

Answer: (D)

When advertising mortgage broker services, the key requirement is to present clear payment options for the client. Allowing the customer to pay the service fee in full up front provides transparency, lets the client decide how they want to pay, and helps prevent reliance on any lender-driven payment arrangements that could influence the broker’s recommendations. This independence and clarity are central to consumer protection in advertising.

The other ideas—receiving remuneration from a mortgage provider, specific turnover thresholds from mortgage services, or tying income to a minimum share of turnover—aren’t the advertising requirement here. The code concentrates on transparent pricing and the option to pay in full, rather than dictating how a broker must be remunerated or mandating particular turnover metrics.