[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M7159NA0FAWJVMJST4K2PFCP":3,"skill-same:01M7159NA0FAWJVMJST4K2PFCP":64},{"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":18,"publishedAt":33,"linkOnly":34,"markdownContent":35,"markdownBody":36,"frontMatter":37,"refName":41,"commitSha":42,"skillDirectory":43,"forksCount":44,"repositoryHtmlUrl":45,"repositoryHomepageUrl":6,"ownerHtmlUrl":46,"ownerBlogUrl":47,"ownerDescription":48,"updatedAt":49,"install":50,"resources":63},"01M7159NA0FAWJVMJST4K2PFCP","mortgage-advisory-ethics-standards",null,"Apply the ethical codes and professional standards that govern a mortgage adviser.\nTRIGGERS - Use when a mortgage adviser needs a ethics & professional standards 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-ethics-standards\u002FSKILL.md",[],[19,20,21,22,23,24,25,26,27,28,29,30,31,32],"standards","advisory","mortgage advisory ethics standards","ethics","professional","for","triggers","branches","codes","use","when","apply","home","advice","2026-11-10 10:12:30",false,"---\nname: mortgage-advisory-ethics-standards\ndescription: |\n  Apply the ethical codes and professional standards that govern a mortgage adviser.\n  TRIGGERS - Use when a mortgage adviser needs a ethics & professional standards for home buyers and homeowners in advice firms, branches and online.\ncategory: Mortgage Advisory\nlicense: MIT\nversion: 1.0\n---\n# Ethics & Professional Standards — Mortgage Advisory\n\nApply the ethical codes and professional standards that govern a mortgage adviser. The deliverable is an ethics guide with principles, common dilemmas and decision steps.\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 an ethics guide with principles, common dilemmas and decision steps.\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** - Know the code that applies in advice firms, branches and online: consent, confidentiality, honesty, competence and conflicts of interest\n2. **Step 2** - Work through dilemmas with a framework: facts, stakeholders, options, code provisions, then decide and record\n3. **Step 3** - Protect home buyers and homeowners first where duties conflict, and be alert to how unsuitable product recommendations can arise from ethical shortcuts\n4. **Step 4** - Declare conflicts of interest early and manage them transparently rather than hoping they stay invisible\n5. **Step 5** - Raise concerns about others' practice through the proper channels, with evidence from fact finds, and support colleagues who do the same\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 an ethics guide with principles, common dilemmas and decision steps, 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","# Ethics & Professional Standards — Mortgage Advisory\n\nApply the ethical codes and professional standards that govern a mortgage adviser. The deliverable is an ethics guide with principles, common dilemmas and decision steps.\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 an ethics guide with principles, common dilemmas and decision steps.\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** - Know the code that applies in advice firms, branches and online: consent, confidentiality, honesty, competence and conflicts of interest\n2. **Step 2** - Work through dilemmas with a framework: facts, stakeholders, options, code provisions, then decide and record\n3. **Step 3** - Protect home buyers and homeowners first where duties conflict, and be alert to how unsuitable product recommendations can arise from ethical shortcuts\n4. **Step 4** - Declare conflicts of interest early and manage them transparently rather than hoping they stay invisible\n5. **Step 5** - Raise concerns about others' practice through the proper channels, with evidence from fact finds, and support colleagues who do the same\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 an ethics guide with principles, common dilemmas and decision steps, 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":38,"category":39,"description":40},1,"Mortgage Advisory","Apply the ethical codes and professional standards that govern a mortgage adviser.\nTRIGGERS - Use when a mortgage adviser needs a ethics & professional standards for home buyers and homeowners in advice firms, branches and online.\n","main","c605eae5729892d78c0b76dfdd58d3533bb26a91","skills\u002Fmortgage-advisory-ethics-standards",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. Ex-Apple • Ex-TikTok 👉 http:\u002F\u002Flionelsim.substack.com","2026-11-09 07:48:48",{"source":8,"skillName":5,"commands":51,"prompt":61,"zipAvailable":62},[52,55,58],{"tool":53,"command":54},"npx","npx skills add lionelsimai\u002Fclaude-skills-collection --skill mortgage-advisory-ethics-standards",{"tool":56,"command":57},"bunx","bunx skills add lionelsimai\u002Fclaude-skills-collection --skill mortgage-advisory-ethics-standards",{"tool":59,"command":60},"pnpm","pnpm dlx skills add lionelsimai\u002Fclaude-skills-collection --skill mortgage-advisory-ethics-standards","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002Flionelsimai\u002Fclaude-skills-collection\u002Fblob\u002Fmain\u002Fskills\u002Fmortgage-advisory-ethics-standards\u002FSKILL.md",true,[],[65,86,99,112,129,142],{"skillNo":66,"name":67,"nameZh":6,"description":68,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":69,"categories":70,"keywords":71,"publishedAt":33},"01M71E7TB5HAR0K6EXB80YXBT7","youth-work-troubleshooting-guide","Diagnose and resolve common problems a youth worker meets in youth centres, schools and outreach settings.\nTRIGGERS - Use when a youth worker needs a troubleshooting & problem solving 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-troubleshooting-guide\u002FSKILL.md",[],[72,73,74,75,76,77,24,78,79,80,29,81,28,82,25,83,84,85],"youth work troubleshooting guide","work","troubleshooting","troubleshooting guide","guide","problem solving","outreach","settings","common","people","worker","diagnose","problem","communities",{"skillNo":87,"name":88,"nameZh":6,"description":89,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":90,"categories":91,"keywords":92,"publishedAt":33},"01M71E7R3YHK4RAQVCRPB4CTXN","youth-work-tools-equipment-checklist","Select, check and maintain the tools and equipment a youth worker relies on.\nTRIGGERS - 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",[],[93,73,94,95,29,81,28,96,82,25,97,24,85,98,78,79],"youth work tools equipment checklist","checklist","Tools","maintain","select","check",{"skillNo":100,"name":101,"nameZh":6,"description":102,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":103,"categories":104,"keywords":105,"publishedAt":33},"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",[],[106,107,73,108,109,78,79,81,28,82,25,110,111,24,85,29],"procurement","youth work supplies procurement","materials","source","specify","manage",{"skillNo":113,"name":114,"nameZh":6,"description":115,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":116,"categories":117,"keywords":123,"publishedAt":33},"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",[118],{"categoryNo":119,"categoryName":120,"taxonomyType":121,"taxonomyTypeDesc":122},"01JBSEEDCAT000000000000003","演示文稿","SCENARIO","使用场景",[124,73,125,126,24,127,85,25,128,78,79,29,81,28,82],"youth work stakeholder presentation","presentation","decision","proposals","present",{"skillNo":130,"name":131,"nameZh":6,"description":132,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":133,"categories":134,"keywords":135,"publishedAt":33},"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",[],[136,137,138,73,139,79,76,140,78,29,81,28,82,25,24,23,141,85],"delivery","work session","session","youth work session delivery","prepare","deliver",{"skillNo":143,"name":144,"nameZh":6,"description":145,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":146,"categories":147,"keywords":151,"publishedAt":33},"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",[148],{"categoryNo":149,"categoryName":150,"taxonomyType":121,"taxonomyTypeDesc":122},"01JBSEEDCAT000000000000015","视觉设计",[73,152,153,154,24,25,82,155,156,85,79,78,81,28,29],"service","plan","youth work service plan","design","as"]