{
  "url": "https://openlegislation.uk/draft-mortgage-credit-directive-order-2015/article-5",
  "json_url": "https://openlegislation.uk/draft-mortgage-credit-directive-order-2015/article-5.json",
  "legislation": "ukdsi/2015/9780111130810",
  "legislation_title": "The Mortgage Credit Directive Order 2015",
  "legislation_url": "https://openlegislation.uk/draft-mortgage-credit-directive-order-2015",
  "path": "article/5",
  "kind": "article",
  "number": "5",
  "heading": "Meaning of credit intermediary",
  "text": "(1) A person acts as a credit intermediary if the person—\n(a) is not a creditor;\n(b) is not merely introducing, either directly or indirectly, a consumer to a creditor or credit intermediary;\n(c) is acting in the course of the person’s trade, business or profession, for remuneration, which may take a pecuniary form or any other agreed form of financial consideration; and\n(d) meets one or more of conditions A to C.\n(2) Condition A is that the person presents or offers consumer buy-to-let mortgage contracts to consumers.\n(3) Condition B is that the person assists consumers by undertaking preparatory work or other pre-contractual administration in respect of consumer buy-to-let mortgage contracts other than as referred to in Condition A.\n(4) Condition C is that the person concludes consumer buy-to-let mortgage contracts with consumers on behalf of the creditor.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukdsi/2015/9780111130810/article/5",
    "retrieved_at": "2026-10-30T15:09:54.327491+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}