Elizabeth Anne Caddle

Freelance Financial Services Writer

I write clear, evidence-led content on UK mortgages, later-life lending, Consumer Duty, AML, fraud and customer vulnerability.

My background includes mortgage and equity release advice, sub-prime lending, fraud prevention and AML operations within UK banking. That experience informs how I write about regulation, risk and customer understanding.

Selected Work

Photo by Kampus Production on Pexels

Portfolio sample • 7th September 2026

Consumer Duty Raised the Bar for Mortgage Advice. Did Adviser Training Keep Up?

Consumer Duty raised expectations for mortgage advice, but rules alone do not improve customer outcomes. This article examines whether adviser training has kept pace, particularly in more complex cases.

Photo by Towfiqu barbhuiya on Pexels

Portfolio sample • 7th September 2026

Digital Onboarding: Where Convenience, KYC and Customer Risk Collide

Digital identity checks can make onboarding faster, but passing a technical check is not the same as understanding the customer. This article examines what can be missed when automation replaces judgement.

Photo by RDNE Stock project on Pexels

Portfolio sample • 7th September 2026

AML and Property Risk: Why Source of Funds Checks Still Matter

Source of funds checks may appear routine, but poor timing or unclear explanations can delay a property purchase and leave buyers facing real costs. This article examines the responsibilities of brokers, lenders and solicitors, and where those responsibilities can become blurred.

Photo by Vitaly Gariev on Pexels

Portfolio sample • 7th September 2026

Why Am I Being Asked So Many Questions About My Money? A First-Time Buyer’s Guide to Source of Funds Checks

First-time buyers are often surprised by how many questions they face about deposits, gifts and savings. This plain-English guide explains why source of funds checks happen, what evidence may be requested and how to avoid preventable delays.

About Me

I am a freelance financial services writer with practical experience in mortgage and equity release advice, sub-prime lending, fraud prevention and AML operations within UK banking. I am qualified in mortgage and equity release advice.

My work focuses on the point where regulation, internal processes and customer understanding meet. I use primary sources, including FCA publications, Financial Ombudsman decisions, official data and legal and regulatory material, to produce clear, research-led content for industry and consumer audiences.

I am available for commissioned articles, regulatory commentary, explainers, customer-facing content and research-led projects.

Contact

For commissions, freelance projects or editorial enquiries, use the contact form below or email eac@elizabethannecaddle.com

Elizabeth Anne Caddle

Selected Work

Consumer Duty Raised the Bar for Mortgage Advice. Did Adviser Training Keep Up?

Digital Onboarding: Where Convenience, KYC and Customer Risk Collide

AML and Property Risk: Why Source of Funds Checks Still Matter

Why Am I Being Asked So Many Questions About My Money? A First-Time Buyer’s Guide to Source of Funds Checks

About Me

Contact

Elizabeth Caddle