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USE OF WEBSITE, TERMS AND PRIVACY
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PERSONAL DETAILS AND DATA PRIVACYYour privacy is important to us; we have a strict confidentiality policy and don't share your contact details with others not involved in your mortgage enquiry.
The personal details which you submit to us (Personal Data) are held by Mortgage Street for its own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. Mortgage Street may use the Personal Data for the purposes they have notified to the Information Commissioner's Office. By submitting your Personal Data you consent to it being processed by Mortgage Street.
Information About How Our Website Works
The cookies we use are analytical cookies. They allow us to recognise and count the number of visitors and to see how visitors move around the site when they're using it. This helps us to improve the way our website works, for example by making sure users are finding what they need easily.
These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve user experience. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.
I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Mortgage Street ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent financial service which may be granted to me/us.
I/we agree that You and any advisor resulting from this application (the "advisor") shall be entitled to use and process, by any medium, the information given by me/us in this enquiry form and any other information about me/us which may be acquired during the lifetime of any enquiry ("the Data") for the following purposes:-
i. to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any financial service granted to me/us by the advisor, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the advisor will record false or inaccurate information if this is given by me/us and fraud is suspected.
ii. To disclose the Data to credit reference agencies when requested by them for consideration of any future applications for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other advisors for these purposes)
iii. to disclose the Data to any other company within the advisor's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent financial service whether during the course of my/our application or during the lifetime of any financial service granted pursuant to such application;
iv. to disclose the Data to any third party who replaces or who may replace my/our advisor.
Prevention Of Money Laundering
The advisor and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.
Right Of Subject Access
Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee not exceeding £10. Please write to Robert Brady, Mortgage Street, Green View, Brook End Road North, Chelmsford, Essex CM2 6NW.
TRANSPARENCYThe Mortgage Street Mortgage Comparisons Site is operated by LeadFair Ltd. This independently owned website acts as an advertising and marketing vehicle to attract passive mortgage enquiries (from people that are proactively searching for mortgages using search engines or directories on the internet) and pass on such enquiries for a fee (but free to the searcher) to financial services providers. We only pass enquiries to experienced, qualified mortgage advisers who are authorised and registered with the Financial Conduct Authority (FCA). Your enquiry will go to Key Mortgage Solutions, 2 Acorn Gardens, Horndean, Hampshire PO8 9YT.
Responsibility rests with the financial services providers to comply with the relevant regulating authorities (FCA). Information on this site does not constitute regulated financial advice and is intended only to provide general financial information. The operators of this website are unable to offer financial advice, you should always consult an Independent Financial Adviser (IFA) before making any financial decision. Advice given to you by a 3rd party adviser does not represent advice from LeadFair. It is your decision whether or not you act on any advice given.
Any information contained on the Mortgage Street Mortgage Comparisons Site does not form the basis of any contract. A mortgage enquiry from this website does not constitute an offer to provide a mortgage.
Business or financial decisions should not be based solely on the information contained within this website. Mortgage Street Mortgage Comparisons UK is not responsible or liable for any financial service obtained through a 3rd party.
Please note that this site promotes commercial property mortgages and some buy-to-let and let to buy mortgages that are not regulated by the FCA (Financial Conduct Authority). However, some buy-to-let mortgages are regulated, for instance when the tenant is a relative or dependant of the borrower.
USE OF SERVICE AND SITE
Use of the Mortgage Street Mortgage Comparisons ("we", "us", "MortgageStreet.co.uk") website ("the site") constitutes acceptance of the Mortgage Street Mortgage Comparisons Site User Agreement ("the agreement") and Terms and Conditions of Use ("terms"). This is our standard terms upon which we intend to rely. For your own benefit and protection you should read these terms carefully. If you don't understand any point please ask for further information.
If you don't agree to all the terms and conditions on this page, please don't use this website. Use of any internal or external links on the Mortgage Street Mortgage Comparisons Site constitutes acceptance of the terms on this page. If you don't agree with these terms, please exit this site by closing the browser window.
The terms "Mortgage Street", "Mortgage Street Mortgage Comparisons", "MortgageStreet.co.uk" encompass the Mortgage Street Mortgage Comparisons Internet Site and Communications.
GOVERNING LAWAny such contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and Mortgage Street Mortgage Comparisons irrevocably submit to the non-exclusive jurisdiction of the English Courts.
This agreement is governed by English law and all disputes will be handled solely in the United Kingdom. English Courts will have jurisdiction in respect of it. You consent to such venue and jurisdiction. The Mortgage Street Mortgage Comparisons site is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.
AVAILABILITY OF SERVICEAny guidance contained within the Mortgage Street Mortgage Comparisons website is subject to the UK Financial Conduct Authority regulatory regime and is therefore restricted to consumers based in the UK. We don't warrant or guarantee that the Mortgage Street Mortgage Comparisons Site will be uninterrupted or error-free.
YOU DO NOT PAY A FEEThere is no charge for enquiring about a mortgage and you are under no obligation to follow any recommendations that are made. By using a broker's service you will get advice that is paid for by the mortgage company. You won't have to pay them a fee as your broker will receive a commission payment direct from the recommended mortgage company. Your financial adviser's costs are already factored into the income that you are offered by the mortgage provider. Commission is paid but this can be refunded should you wish to pay via a fee.
To reiterate, if you buy a mortgage, the mortgage broker will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean the service is free. You still pay indirectly through product charges. Product charges pay for the product providers own costs and any commission. If you buy direct, the product charges could be the same as when buying through a financial adviser, or they could be higher or lower. Your mortgage broker will tell you how much the commission will be before you commit to a mortgage, but you may ask for this information earlier.
LINKS AND SITE CONTENTWe don't make any warrant or guarantee, either expressed or implied as to the accuracy, validity, completeness, suitability, reliability, or currency of any information content within the Mortgage Street Mortgage Comparisons site or sites to which it is linked to. Links to other websites are provided solely as a resource guide and don't represent an endorsement or guarantee, either expressed or implied. The Mortgage Street Mortgage Comparisons Site does not assume any liability for any of the products, services, or data of any other sites. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the site. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the Mortgage Street Mortgage Comparisons Site.
INDEMNITYIn order to use this site you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the Mortgage Street Mortgage Comparisons Site harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual service providers featured within this website or linked websites. This also includes, without limitation, lawyer's fees. The use of the Mortgage Street Mortgage Comparisons site for any reason is deemed to be an agreement of this condition.
DISCLAIMERSBearing in mind that this is a free "public access" site, it is a condition of use of the site and the materials in it that use is at the user's own risk. We give no representation or warranty as to the accuracy of the content of the site and assume no responsibility for errors or omissions in it. Neither Mortgage Street Mortgage Comparisons nor any of the site's administrators, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the site, including but not limited to direct loss, consequential loss and loss of profits.
Mortgage Street Mortgage Comparisons is provided on an "as is" and "as available" basis. We shall not be liable for any direct, indirect, incidental, special, or consequential damages. This includes, without limitation and even if we are advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use Mortgage Street Mortgage Comparisons.
The user agrees not to rely on any information obtained from the Mortgage Street Mortgage Comparisons Site and indemnifies us from mistakes, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused. It is the user's duty to execute anti-contamination or virus software and ensure that any information, if contaminated or infected, won't damage the user's information or system. Personal information sent to Mortgage Street Mortgage Comparisons UK is at the senders own risk.
SEVERANCEIf a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.
VARIATIONWhilst it is not our intention to do so, the operators of the Mortgage Street Mortgage Comparisons Site reserves the right to change its policies and terms at any time. Any such changes will be posted on this page.
We don't assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.
If you don't agree to all the terms and conditions on this page, please don't use this website. Use of any internal or external links on the Mortgage Street Mortgage Comparisons Site constitutes acceptance of the terms on this page. If you don't agree with these terms, please exit the Mortgage Street Mortgage Comparisons Site by closing the browser window.
COPYRIGHT NOTICEDesign: Luka Cvrk, Framework: Concept Nova. The Mortgage Street Mortgage Comparisons website is not associated with other companies or websites who own or trade under similar sounding names or with similar design. © Content Copyrighted.
HEADINGSHeadings are for reading convenience only and are not to be used in the interpretation of this agreement.
Please address all queries through our contact form below. Only the trained financial advisers themselves can offer support. We do hope you understand that we cannot offer phone assistance before your enquiry is allocated to a financial adviser. You will, of course, receive a phone call from your personal adviser as soon as possible.
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WHY USE US TO FIND YOUR MORTGAGE OR REMORTGAGE
We are registered and regulated by the Financial Conduct Authority (FCA) and covered by the Financial Ombudsman and Financial Services Compensation Scheme.
We don't charge a fee for our mortgage or non-investment insurance business. Our fee will come from the provider that we recommend to you.
Our highly experienced team of expert financial advisers will help you avoid making all the classic mistakes when comparing mortgages.
Specialist & exclusive deals. We can access some of the most competitive rates in the industry. You can save £100's each month with a lower rate mortgage.
Many of our competitors will only quote on a limited range. We are proud to be able to advise on the whole of the UK mortgage market - over 200 lenders.
Our buying power enables us to provide competitive rates on many "hidden" mortgage products that you can't get yourself by going directly to the lender.
We provide a mortgage comparisons service for both homeowners and first time buyers.
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