transfers, and rate switches, using panel and market-wide comparisons to identify suitable options. Morgans McGrath also assists clients whose circumstances do not fit mainstream criteria, such as complex income, adverse credit histories, and non-standard or new-build properties. In addition, it advises on related financial protection products and general insurance through its financial services group structure. The company acts as a broker rather than a lender, operating as an appointed representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.