Real Attorney wrote:
English law is best left to English legal professionals. My only comment to you is that offering financial advise is different than offering financial credit--your second link.
hes offering mortgages and it does say What you need consumer credit authorisation for
You must check if your firm’s proposed business means you need FCA authorisation to carry out regulated consumer credit activities such as:
selling goods or services on credit (including hire purchase)
hiring or leasing out goods for more than 3 months
lending money
issuing credit cards
arranging credit for other people
collecting or purchasing 
consumer credit debts
helping people with debt problems or advising on people’s credit standing and the company was disolved