[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M7159DVMNSYV5FG53H8W8PWB":3,"skill-same:01M7159DVMNSYV5FG53H8W8PWB":72},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":23,"publishedAt":41,"linkOnly":42,"markdownContent":43,"markdownBody":44,"frontMatter":45,"refName":49,"commitSha":50,"skillDirectory":51,"forksCount":52,"repositoryHtmlUrl":53,"repositoryHomepageUrl":6,"ownerHtmlUrl":54,"ownerBlogUrl":55,"ownerDescription":56,"updatedAt":57,"install":58,"resources":71},"01M7159DVMNSYV5FG53H8W8PWB","mortgage-advisory-compliance-checklist",null,"Check work in advice firms, branches and online against the laws, standards and codes that govern a mortgage adviser.\nTRIGGERS - Use when a mortgage adviser needs a compliance & standards checklist for home buyers and homeowners in advice firms, branches and online.","lionelsimai\u002Fclaude-skills-collection","lionelsimai","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F260158848?v=4","01M6CHZPS8G9TSB113TT0BBM6E","Lionel ","01M6CHZPXGW2SPE3BHQTGJ0S8J",38,"MIT","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fmortgage-advisory-compliance-checklist\u002FSKILL.md",[18],{"categoryNo":19,"categoryName":20,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000037","律师与法务","PROFESSION","适用职业",[24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40],"mortgage advisory compliance checklist","compliance checklist","compliance","checklist","advisory","advice","work","home","check","check work","when","use","codes","branches","triggers","for","standards","2026-11-10 10:12:30",false,"---\nname: mortgage-advisory-compliance-checklist\ndescription: |\n  Check work in advice firms, branches and online against the laws, standards and codes that govern a mortgage adviser.\n  TRIGGERS - Use when a mortgage adviser needs a compliance & standards checklist for home buyers and homeowners in advice firms, branches and online.\ncategory: Mortgage Advisory\nlicense: MIT\nversion: 1.0\n---\n# Compliance & Standards Checklist — Mortgage Advisory\n\nCheck work in advice firms, branches and online against the laws, standards and codes that govern a mortgage adviser. The deliverable is a completed compliance checklist with gaps and corrective actions.\nThis skill is written for a mortgage adviser working with home buyers and homeowners in advice firms, branches and online.\n\n## When to use\n- You are a mortgage adviser preparing, delivering or reviewing this part of your work in advice firms, branches and online.\n- You need a defensible, repeatable approach that produces a completed compliance checklist with gaps and corrective actions.\n- A colleague, auditor or client asks how this was done and what evidence supports it.\n\n## Key Concepts\n| Term | Meaning |\n|------|---------|\n| Affordability | assessment of whether a borrower can sustain repayments |\n| Loan to value | the loan as a percentage of the property's value |\n| Offer | the lender's formal agreement to lend |\n\n## Workflow\n1. **Step 1** - List the obligations that apply: legislation, regulator guidance, professional codes and local policy in advice firms, branches and online\n2. **Step 2** - Work through each obligation against current practice and fact finds, marking compliant, partial or missing\n3. **Step 3** - Investigate every gap — especially anything touching unsuitable product recommendations — and record the evidence for the judgement\n4. **Step 4** - Turn gaps into corrective actions with owners and deadlines, proportionate to the risk\n5. **Step 5** - Re-check completed actions, file the checklist, and diarise the next compliance review\n\n## Profession-Specific Components\n| Component | Details for Mortgage Advisory |\n|-----------|-------------------------------|\n| Core documentation | fact finds; suitability letters; application records; product research |\n| Core tools & equipment | mortgage sourcing systems; affordability calculators; CRM platforms; conveyancing trackers |\n| People involved | home buyers and homeowners; the mortgage adviser; colleagues and other services in advice firms, branches and online |\n| Primary record | fact finds — keep it current, dated and attributable |\n\n## Output Format\n**Context:** [Situation in advice firms, branches and online] | **Objective:** [What this must achieve] | **Audience:** [home buyers and homeowners and other stakeholders]\n\nThe finished output is a completed compliance checklist with gaps and corrective actions, structured as:\n1. Summary of position and evidence\n2. Detail, following the workflow above\n3. Decisions, actions, owners and dates\n4. Review point and escalation route\n\n### Action Plan\n1. **Immediate:** Confirm scope, consent and the evidence available in fact finds.\n2. **Short-term:** Complete the workflow steps and record outcomes against application-to-offer times.\n3. **Medium-term:** Review results, close actions, and update local procedures in advice firms, branches and online.\n\n## Success Metrics\n| Metric | Target | Method |\n|--------|--------|--------|\n| application-to-offer times | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| suitability audit results | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| client satisfaction | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| completion rates | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n\n## Guardrails & Quality Checks\n- Never let this happen: unsuitable product recommendations.\n- Never let this happen: affordability miscalculated.\n- Never let this happen: deadlines missed losing purchases.\n- Work only within the competence and authority of a mortgage adviser; escalate or refer anything beyond it.\n- Record facts and observations, not speculation, and keep records confidential to advice firms, branches and online's rules.\n- Verify names, dates, figures and measurements twice before anything is issued or signed off.\n- Use only real, verified information from the case in hand — never invent results, credentials or evidence.\n\n## Example (illustrative)\nA mortgage adviser in advice firms, branches and online applies this workflow for home buyers and homeowners: they open\nfact finds, work through the five steps using mortgage sourcing systems, and close by recording\nthe outcome against application-to-offer times and agreeing the next review date. (Illustrative example only —\nreplace with the real details of the case in hand.)\n","# Compliance & Standards Checklist — Mortgage Advisory\n\nCheck work in advice firms, branches and online against the laws, standards and codes that govern a mortgage adviser. The deliverable is a completed compliance checklist with gaps and corrective actions.\nThis skill is written for a mortgage adviser working with home buyers and homeowners in advice firms, branches and online.\n\n## When to use\n- You are a mortgage adviser preparing, delivering or reviewing this part of your work in advice firms, branches and online.\n- You need a defensible, repeatable approach that produces a completed compliance checklist with gaps and corrective actions.\n- A colleague, auditor or client asks how this was done and what evidence supports it.\n\n## Key Concepts\n| Term | Meaning |\n|------|---------|\n| Affordability | assessment of whether a borrower can sustain repayments |\n| Loan to value | the loan as a percentage of the property's value |\n| Offer | the lender's formal agreement to lend |\n\n## Workflow\n1. **Step 1** - List the obligations that apply: legislation, regulator guidance, professional codes and local policy in advice firms, branches and online\n2. **Step 2** - Work through each obligation against current practice and fact finds, marking compliant, partial or missing\n3. **Step 3** - Investigate every gap — especially anything touching unsuitable product recommendations — and record the evidence for the judgement\n4. **Step 4** - Turn gaps into corrective actions with owners and deadlines, proportionate to the risk\n5. **Step 5** - Re-check completed actions, file the checklist, and diarise the next compliance review\n\n## Profession-Specific Components\n| Component | Details for Mortgage Advisory |\n|-----------|-------------------------------|\n| Core documentation | fact finds; suitability letters; application records; product research |\n| Core tools & equipment | mortgage sourcing systems; affordability calculators; CRM platforms; conveyancing trackers |\n| People involved | home buyers and homeowners; the mortgage adviser; colleagues and other services in advice firms, branches and online |\n| Primary record | fact finds — keep it current, dated and attributable |\n\n## Output Format\n**Context:** [Situation in advice firms, branches and online] | **Objective:** [What this must achieve] | **Audience:** [home buyers and homeowners and other stakeholders]\n\nThe finished output is a completed compliance checklist with gaps and corrective actions, structured as:\n1. Summary of position and evidence\n2. Detail, following the workflow above\n3. Decisions, actions, owners and dates\n4. Review point and escalation route\n\n### Action Plan\n1. **Immediate:** Confirm scope, consent and the evidence available in fact finds.\n2. **Short-term:** Complete the workflow steps and record outcomes against application-to-offer times.\n3. **Medium-term:** Review results, close actions, and update local procedures in advice firms, branches and online.\n\n## Success Metrics\n| Metric | Target | Method |\n|--------|--------|--------|\n| application-to-offer times | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| suitability audit results | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| client satisfaction | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n| completion rates | Agree a local target and track the trend | Measured from fact finds and reviewed on a set cycle |\n\n## Guardrails & Quality Checks\n- Never let this happen: unsuitable product recommendations.\n- Never let this happen: affordability miscalculated.\n- Never let this happen: deadlines missed losing purchases.\n- Work only within the competence and authority of a mortgage adviser; escalate or refer anything beyond it.\n- Record facts and observations, not speculation, and keep records confidential to advice firms, branches and online's rules.\n- Verify names, dates, figures and measurements twice before anything is issued or signed off.\n- Use only real, verified information from the case in hand — never invent results, credentials or evidence.\n\n## Example (illustrative)\nA mortgage adviser in advice firms, branches and online applies this workflow for home buyers and homeowners: they open\nfact finds, work through the five steps using mortgage sourcing systems, and close by recording\nthe outcome against application-to-offer times and agreeing the next review date. (Illustrative example only —\nreplace with the real details of the case in hand.)\n",{"name":5,"license":15,"version":46,"category":47,"description":48},1,"Mortgage Advisory","Check work in advice firms, branches and online against the laws, standards and codes that govern a mortgage adviser.\nTRIGGERS - Use when a mortgage adviser needs a compliance & standards checklist for home buyers and homeowners in advice firms, branches and online.\n","main","c605eae5729892d78c0b76dfdd58d3533bb26a91","skills\u002Fmortgage-advisory-compliance-checklist",5,"https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection","https:\u002F\u002Fgithub.com\u002Flionelsimai","www.theaicapitol.com","Founder at The AI Capitol | I help founders turn AI into 10X revenue through systems, not tools. 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Use when a youth worker needs a tools & equipment checklist for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-tools-equipment-checklist\u002FSKILL.md",[],[100,30,27,101,34,88,35,102,89,38,103,39,92,32,85,86],"youth work tools equipment checklist","Tools","maintain","select",{"skillNo":105,"name":106,"nameZh":6,"description":107,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":108,"categories":109,"keywords":110,"publishedAt":41},"01M71E7NX1BMFEFBH01KCRJDEP","youth-work-supplies-procurement","Specify, source and manage the supplies and materials used in youth centres, schools and outreach settings.\nTRIGGERS - Use when a youth worker needs a supplies & procurement for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-supplies-procurement\u002FSKILL.md",[],[111,112,30,113,114,85,86,88,35,89,38,115,116,39,92,34],"procurement","youth work supplies procurement","materials","source","specify","manage",{"skillNo":118,"name":119,"nameZh":6,"description":120,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":121,"categories":122,"keywords":128,"publishedAt":41},"01M71E7JVFP6P96GAT2VT9JY0D","youth-work-stakeholder-presentation","Present youth worker findings and proposals to decision-makers and stakeholders.\nTRIGGERS - Use when a youth worker needs a stakeholder presentation for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-stakeholder-presentation\u002FSKILL.md",[123],{"categoryNo":124,"categoryName":125,"taxonomyType":126,"taxonomyTypeDesc":127},"01JBSEEDCAT000000000000003","演示文稿","SCENARIO","使用场景",[129,30,130,131,39,132,92,38,133,85,86,34,88,35,89],"youth work stakeholder presentation","presentation","decision","proposals","present",{"skillNo":135,"name":136,"nameZh":6,"description":137,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":138,"categories":139,"keywords":140,"publishedAt":41},"01M71E7GE5VA1RG4XEM2GAZRFY","youth-work-session-delivery","Prepare for and deliver a professional session or appointment for young people and their communities in youth centres, schools and outreach settings.\nTRIGGERS - Use when a youth worker needs a session delivery guide for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-session-delivery\u002FSKILL.md",[],[141,142,143,30,144,86,83,145,85,34,88,35,89,38,39,146,147,92],"delivery","work session","session","youth work session delivery","prepare","professional","deliver",{"skillNo":149,"name":150,"nameZh":6,"description":151,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":152,"categories":153,"keywords":157,"publishedAt":41},"01M71E7DQSMY2ZW1BF3A1Z0VJM","youth-work-service-plan","Design a realistic, measurable service plan for young people and their communities as a youth worker.\nTRIGGERS - Use when a youth worker needs a service plan design for young people and their communities in youth centres, schools and outreach settings.","https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fyouth-work-service-plan\u002FSKILL.md",[154],{"categoryNo":155,"categoryName":156,"taxonomyType":126,"taxonomyTypeDesc":127},"01JBSEEDCAT000000000000015","视觉设计",[30,158,159,160,39,38,89,161,162,92,86,85,88,35,34],"service","plan","youth work service plan","design","as"]