Terms & Conditions

Important Notice

My Mortgage Sorted is a lead generation service, NOT a mortgage broker or lender.

• We collect your information and pass it to FCA-authorised mortgage advisers
• We receive a fee from these third-party advisers for providing your enquiry
• You are under no obligation to proceed with any adviser or accept any offer
• We do not provide mortgage advice or recommendations

1. Agreement to Terms

By accessing and using the My Mortgage Sorted website ("Website"), you agree to be bound by these Terms & Conditions, our Privacy Policy, and our Cookie Policy.

If you do not agree with any part of these terms, you must not use our Website or services.

2. About Our Service

2.1 What We Do

My Mortgage Sorted operates as a lead generation service. We:

• Collect information from individuals seeking mortgage advice through our online forms and quizzes
• Match enquiries with suitable FCA-authorised mortgage advisers and brokers
• Pass your contact and financial information to these third-party advisers
• Facilitate initial connections between you and mortgage professionals

2.2 What We Do NOT Do

• We do NOT provide mortgage advice or recommendations
• We do NOT arrange mortgages or loans
• We do NOT lend money or provide credit
• We are NOT a mortgage broker
• We do NOT guarantee approval of any mortgage application

2.3 FCA Authorisation

The mortgage advisers and brokers we work with are authorised and regulated by the Financial Conduct Authority (FCA). They are independent businesses who will provide mortgage advice based on your circumstances. You can verify their FCA registration at register.fca.org.uk.

3. Fee Structure Disclosure

3.1 How We Make Money

We receive payment from third-party mortgage advisers for providing them with your enquiry.This fee is paid by the mortgage adviser, not by you. Our service is free for consumers.

3.2 No Cost to You

Using our Website and submitting your information is completely free. You will not be charged by us for using our service.

3.3 Adviser Fees

The mortgage advisers who contact you may charge fees for their services. These fees are separate from our business and should be discussed directly with the adviser. Any fees charged by the adviser will be clearly disclosed to you before you proceed.

4. No Obligation

You are under no obligation to:

• Proceed with any mortgage adviser we connect you with
• Accept any mortgage offer or advice
• Complete any mortgage application
• Use the services of any third party

Submitting your information through our Website is simply an enquiry. You can choose not to proceed at any stage without any obligation or penalty.

5. Your Responsibilities

When using our Website, you agree to:

• Provide accurate and truthful information
• Be at least 18 years of age
• Use the Website only for lawful purposes
• Not submit false or misleading information
• Not impersonate another person
• Not attempt to interfere with the Website's operation

6. Consent to Share Data

By submitting your information through our forms and quizzes, you explicitly consent to:

• Us collecting and storing your personal data
• Us sharing your information with FCA-authorised mortgage advisers
• Third-party advisers contacting you by phone, email, or SMS regarding your enquiry

You can withdraw your consent at any time by contacting us. For more details on how we handle your data, please see our Privacy Policy.

7. What to Expect After Submitting

After you submit your enquiry:

1. Your information will be shared with one or more FCA-authorised mortgage advisers
2. An adviser will contact you (usually within 24-48 hours) to discuss your needs
3. The adviser will ask additional questions to understand your circumstances
4. If appropriate, they will provide mortgage advice and recommendations
5. You can choose whether to proceed with their services

8. Disclaimers

8.1 No Advice

The information on our Website is for general informational purposes only and does not constitute financial advice. We do not recommend any particular mortgage product, lender, or adviser.

8.2 No Guarantees

We do not guarantee:

• That you will be approved for a mortgage
• Specific interest rates or loan terms
• The quality of service from third-party advisers
• That our Website will be error-free or uninterrupted

8.3 Third-Party Services

We are not responsible for the actions, services, or advice provided by third-party mortgage advisers. Your relationship with any adviser is separate from your relationship with us.

9. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for any indirect, consequential, or incidental damages
• We are not liable for any losses arising from your use of our Website
• We are not liable for the actions of third-party advisers
• Our total liability shall not exceed the amount you paid to us (which is £0 for consumers)

10. Intellectual Property

All content on our Website, including text, graphics, logos, images, and software, is the property of My Mortgage Sorted or our licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works of any content without our prior written permission.

11. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of these external sites. Accessing third-party websites is at your own risk.

12. Changes to These Terms

We may update these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last updated" date. Continued use of our Website after changes are posted constitutes acceptance of the updated terms.

13. Termination

We reserve the right to terminate or suspend access to our Website at any time, without notice, for any reason, including breach of these terms.

14. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

16. Contact Us

If you have any questions about these Terms & Conditions, please contact us: