Cleera Insights
Practical guidance on compliance, operations, and winning more of the right clients.
Portfolio landlords are the most valuable and most demanding clients in the buy-to-let market. The advisers winning this work are not doing anything magical — they are doing the basics faster and more visibly than the competition.
James Hartley
22 January 2026
Consumer Duty changed the compliance bar for mortgage advisers permanently. Here is exactly what your audit trail must contain, and the gaps that most firms still haven't closed.
The spreadsheet worked when you had twelve cases and one adviser. At fifty cases across three advisers, it quietly became your biggest liability — for compliance, for clients, and for growth.