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Which DBS check do I need? – Mortgage Advisor

Most mortgage advisors are required to take a standard DBS check.

DBS checks are statutory criminal record checks carried out by the Disclosure and Barring service on behalf of the Home Office. If you are in Scotland, your DBS check will be managed by Disclosure Scotland.

These formal background checks are used to identify those who are unsuitable for recruitment to influential roles involving work with the public. They are in operation for most roles across the finance and legal sectors to provide robust protection for all members of the public.

As a mortgage advisor, under the terms of the 1974 Rehabilitation of Offenders Act for frontline roles in the UK, you will find yourself subject to these statutory checks when you apply for registration with the FCA.

Most UK mortgage advisors are registered with the Financial Conduct Authority (FCA). To complete registration, you will need to take a standard DBS check.

What is a standard DBS check?

A standard DBS check for a mortgage advisor will require a search to verify if you have any unspent or spent convictions, cautions, reprimands or warnings in existence on the Police National Computer.

Without the search, you will not be able to complete your registration with the FCA. A standard DBS check for a mortgage advisor can only be requested by your employer.

The Financial Conduct Authority will assess any information that shows up during the CRB check according to the level of dishonesty shown – even if your convictions are now spent. To understand more about standard DBS checks and your rights under the law at: FAC.org.