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Thanks TH - I think it will be a number of contributory factors to be honest but I hadn't considered what you suggest. Although I think these things would have had wider impact and if you look at the adviser numbers (with mortgage permissions) below, the overall number remains quite stable other than 2024, so would suggest that it is more to do with going DA that has been affected given the approval numbers, whatever the reason(s).
2024 - 35,263 (2025 @ 14th Jan - FCA underlying data for 2024 is due to be released in August 2025)
2023 - 36,836
2022 - 36,441
2021 - 36,211
2020 - 36,377
2019 - 36,401
Source - FCA annual underlying retail intermediary report
