Terms of Service

1. Acceptance of Terms

By accessing and using the Home Me Mortgages website and services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service.

2. About Our Services

Home Me Mortgages is authorized and regulated by the Financial Conduct Authority (FCA). We provide mortgage advisory services including:

• Mortgage advice and recommendations
• Application assistance
• Product research and comparison
• Ongoing support throughout the mortgage process

3. Website Use

Permitted Use

You may use our website for lawful purposes only. You agree not to use the site:

• In any way that violates applicable laws or regulations
• To transmit unauthorized or unsolicited advertising
• To impersonate or attempt to impersonate the company or another user
• In any way that could damage or impair the website

4. Advice and Recommendations

Our mortgage advice is based on a comprehensive assessment of your circumstances. Please note:

• All advice is provided in accordance with FCA regulations
• We assess your needs and circumstances before making recommendations
• You are not obligated to accept any recommendation
• We will explain the reasons for our recommendations
• You should carefully consider all advice before making decisions

5. Client Responsibilities

As our client, you agree to:

• Provide accurate and complete information
• Inform us of any changes to your circumstances
• Ask questions if you don't understand our advice
• Pay our fees as agreed
• Comply with lender requirements

6. Fees and Charges

Our fee structure will be clearly explained before providing any services. Fees may include:

• Advisory fees for our services
• Commission from lenders (where applicable)
• Third-party costs such as valuation fees

All fees and charges will be disclosed in writing before you commit to our services.

7. Limitation of Liability

While we strive to provide accurate information and professional advice, we cannot guarantee that our services will meet your expectations in every respect. Our liability is limited to the extent permitted by law and FCA regulations. We maintain professional indemnity insurance as required by the FCA.

8. Complaints Procedure

If you are dissatisfied with our services, please contact us immediately. We have a formal complaints procedure:

1. Contact us in writing with details of your complaint
2. We will investigate and respond within 8 weeks
3. If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service

9. Intellectual Property

The content, organization, graphics, design, and other matters related to our website are protected under applicable copyrights and other proprietary laws. Copying, redistribution, or publication of any such content is strictly prohibited without our express written permission.

10. Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the website, to understand our practices.

11. Termination

Either party may terminate our advisory relationship at any time with reasonable notice. Upon termination, you remain liable for any fees incurred up to the date of termination.

12. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the English courts.

13. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on our website and will become effective immediately upon posting.

14. Contact Information

If you have any questions about these Terms of Service, please contact us: