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You should read these Terms & Conditions in conjunction with timetoremortgage.co.uk’s Privacy Policy, which forms part of these conditions.

  1. Use of the Service

1.1 The Service is not available to:

1.1.1 persons under the age of seventeen years;

1.1.2 any person acting in the course of business;

1.1.3 persons who are not resident in the United Kingdom;

1.1.4 individuals who are bankrupt; or

1.1.4 individuals who have had a receiver appointed in respect of them under the Mental Health Act 1983 or have had Court of Protection proceedings commenced in respect of them.

1.2 By using the Service, you warrant that none of the circumstances listed in Condition 1.1 apply to you.

1.3 timetoremortgage.co.uk reserves the right to limit, suspend or terminate your use of the Service or any part of it at any time, for any reason, at its absolute discretion.

  1. The Website

2.1 Your access to and use of the Website and the Service is at your own risk. timetoremortgage.co.uk does not sell financial products or provide financial advice. timetoremortgage.co.uk is authorised and regulated as an AR by the Financial Conduct Authority (FCA FRN825819) to conduct the regulated business of making arrangements with a view to regulated mortgage contracts. Before purchasing a product we encourage you to consult a professional in that field. Action based on any information contained in the Website is at your own risk. timetoremortgage.co.uk and its employees are not responsible for any results, (direct or indirect), generated by the Website by your use of the Service.

2.2 timetoremortgage.co.uk provides you access to partners, as you have described in the forms you have completed on the Website. timetoremortgage.co.uk holds no responsibility for ensuring that you can actually purchase your financial product from them.

2.3 Lenders regularly change their prices and rates. When you receive your quotes you should be told by the relevant finance provider for how long each quote is valid.

2.4 In order to buy a financial product based on a quote obtained using the Service, you will contacted by an FCA authorised professional who will process your application further.

2.5 Before you buy you must check all the information that the provider holds about you is correct. Failure to do so could result in your offer being invalid. You must also read the financial product provider’s own terms and conditions. They are the terms and conditions that you agree to by buying a financial product from them and are separate from timetoremortgage.co.uk’s Conditions.

2.6 We accept no liability whatsoever for the terms applying to a financial contract entered into with any provider or for any problems or complaints that may arise in connection with your financial product.

2.7 You agree not to copy or tamper with the software and functionality of the Website in any way whatsoever, including without limitation by introducing Malicious Code.

2.8 timetoremortgage.co.uk may at any time change, alter, replace, amend or remove any part or all parts of the Service at timetoremortgage.co.uk’s absolute discretion.

2.9 timetoremortgage.co.uk may offer new or additional services through the Website from time to time. Your use of those services may be subject to additional terms and conditions. Any failure by you to comply with those additional terms and conditions will constitute a breach of these Conditions.

  1. Your Information

3.1 In order to get a quote for a Financial Product, you will need to answer a number of questions. Your answers will determine the offer you receive. It is very important that you answer all questions in good faith and truthfully and that you fully disclose all relevant facts. If you do not provide your financial product provider with the information they ask for or fail to tell them about any change it could invalidate your offer and may be a criminal offence.

3.2 In the course of calculating offers, some providers may use a credit scoring system to search your credit information. timetoremortgage.co.uk  does not carry out credit searches, but may offer quotations from providers who do.

3.3 You warrant to timetoremortgage.co.uk and timetoremortgage.co.uk’s Partners that the information provided by you via the Website is true, accurate and complete. You covenant with timetoremortgage.co.uk’s Partners to observe and perform your obligations under these Conditions.

3.4 timetoremortgage.co.uk shall be entitled to use all the information provided by you (including personal data) in accordance with these Conditions including the Privacy Policy.

  1. Warranty and timetoremortgage.co.uk’s liability

4.1 Although the Website has been put together very carefully, there is the possibility that unintentional omission or errors may exist. timetoremortgage.co.uk is not responsible for any errors or omissions.

4.2 The financial products that are referred to on the Website are not provided by timetoremortgage.co.uk and are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before you go ahead. We accept no liability for the suitability of any products, services or information provided by third party providers.

4.3 timetoremortgage.co.uk is not liable in any way whatsoever to you or any third party for any indirect or consequential loss or damage, or for any loss of data, profit, revenue or business howsoever caused.

4.4 You acknowledge and agree that computer systems and software are not error, fault or bug free, nor secure from persons wishing to misuse, tamper with, erase, alter or in any other way corrupt computer systems and you agree that it is your responsibility to screen all communications from timetoremortgage.co.uk for Malicious Code prior to downloading or opening them. timetoremortgage.co.uk shall have no liability in the event that your computer system shall be affected by any Malicious Code.

4.5 timetoremortgage.co.uk will at all times use reasonable endeavours to maintain an uninterrupted and error-free service. However, timetoremortgage.co.uk makes no representations or warranties expressly or impliedly that use of the Service will be uninterrupted or error-free. timetoremortgage.co.uk cannot accept any responsibility for interruption to, or unavailability of, the Service if this is due to circumstances beyond timetoremortgage.co.uk’s direct control, in particular, interruption to the availability of the internet or communication links which are provided to timetoremortgage.co.uk by third parties. Moreover, timetoremortgage.co.uk may interrupt the Service, at any time, for any reason, including test, control and maintenance.

  1. Your liability for breach of the Conditions

You shall indemnify timetoremortgage.co.uk and timetoremortgage.co.uk’s Partners and keep timetoremortgage.co.uk and timetoremortgage.co.uk’s Partners at all times fully indemnified from and against all actions, proceedings, claims, demands, costs and other liabilities however arising directly or indirectly as a result of any breach or non-performance by you of any of your obligations under these Conditions. This is important due to the requirement of good faith that exists when entering into a financial contract, and the effect that it would have on timetoremortgage.co.uk and timetoremortgage.co.uk’s Partners if you provide any incorrect information.

  1. Transfer of your and our rights and responsibilities

6.1 You shall not be entitled to assign or otherwise transfer any of your rights or obligations under these Conditions or hold the benefit of such rights in trust for any other person or use your rights and the Service for any other person without timetoremortgage.co.uk’s prior written consent.

6.2 timetoremortgage.co.uk may assign any of its rights and shall be entitled to delegate any of its obligations under these Conditions to any person. Any such delegation shall not affect the obligations of timetoremortgage.co.uk under these Conditions.

  1. Our Intellectual Property in the Website

You acknowledge that all intellectual property rights in and relating to the timetoremortgage.co.uk Website and the Service are owned by timetoremortgage.co.uk. You agree not to copy the Website or to access or attempt to access any of the software, data or information comprised in the Website without the prior consent of timetoremortgage.co.uk.

  1. Links to other websites

timetoremortgage.co.uk may provide links from the Website to other websites. You acknowledge and agree that timetoremortgage.co.uk is not responsible for the availability of such sites and does not endorse or have responsibility for such sites or anything which appears on such sites.

  1. Termination

9.1 timetoremortgage.co.uk (without prejudice to its other rights) may terminate your rights to access and use the Website and the Service at any time forthwith by notice in writing to you if you commit a breach of any of the provisions of these Conditions.

9.2 Your rights to access and use the Website and the Service shall automatically terminate if you commit a breach of any of Conditions 1.2, 2.8, 3 or 7.

9.3 If your rights to access and use the Website and the Service terminate, then you must not access or use or attempt to access or use the Website and/or the Service again without the prior written consent of timetoremortgage.co.uk.

  1. Our Services, Regulation and Complaints 

10.1 The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. It requires us to give you the information contained in this Condition 10.1. Use this information to decide if our services are right for you.

10.2 Whose products do we offer?

We do not sell any financial products to you. We gather information from you and provide this to a financial professional whom will provide you with financial quotations. It is then up to you to discuss/arrange suitable cover with the financial professional who makes contact with you. Ask us for a list of the intermediaries/partners we use.

10.3 Which service will we provide you with?

We will only introduce you to mortgage brokers. We will not give any advice or make a recommendation for you.

10.4 What will you have to pay us for our services?

You will not have to pay us for the service we provide.

10.5 Who regulates us?

timetoremortgage.co.uk Services is the trading name of Media Pass Digital Ltd, an appointed representative of Financial Management Technology Services Limited who are authorised and regulated by the Financial Conduct Authority, number 444539.

Our permitted business is making arrangements with a view to regulated mortgage contracts.

You can check this on the FCA’s Register by visiting the FCA’s website https://register.fca.org.uk/ or by contacting the FCA on 0300 500 8082.

10.6 What to do if you have a complaint

If you wish to register a complaint, please contact us:

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

10.7 Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are merely making arrangements with a view to introducing you to mortgage professionals. Any advice they provide may be covered under FSCS.

Further information about compensation scheme arrangements is available from the FSCS.

  1. Whole Agreement

These Conditions together with the Privacy Policy contain the entire agreement between you and timetoremortgage.co.uk in relation to your use of the Website and the Service and any amendments to the Conditions will be posted on the Website. You acknowledge and agree that you have not relied on any representations, statements, agreements or undertakings not set out in these Conditions. The current version of these Conditions supersede any previous version(s).

  1. Miscellaneous

12.1 If any part, term or provision of these Conditions, not being of a fundamental nature, shall be held to be illegal or unenforceable, the validity or enforceability of the remainder of these Conditions shall not be affected.

12.2 The waiver of any breach of any provisions of these Conditions shall not be construed as a waiver of any subsequent breach of a Condition, nor shall any delay or omission on the part of either party to exercise any right under these Conditions operate as a waiver of any breach or default by the other party.

12.3 Any notice required to be served by these Conditions shall be sent by email to timetoremortgage.co.uk’s given email address or your email address provided to timetoremortgage.co.uk.

12.4 You and timetoremortgage.co.uk agree and intend that these Conditions shall not operate to confer any rights or benefits on any third parties other than timetoremortgage.co.uk’s Partners, provided always that no consents shall be required from any of timetoremortgage.co.uk’s Partners to vary or rescind these Conditions.

12.5 Nothing in these Conditions shall create a partnership or the relationship of principal and agent between timetoremortgage.co.uk and you.

12.6 The validity, construction and performance of these Conditions shall be governed by English law, and shall be subject to the exclusive jurisdiction of the Courts of the United Kingdom.

  1. Definitions

13.1 In the context of these Conditions (unless the context otherwise requires):

“Conditions” means any condition or all conditions of these Terms and Conditions;

“Malicious Code” means any virus, worm, Trojan horse, cancelbot or any other destructive or contaminating program;

“Privacy Policy” means timetoremortgage.co.uk’s privacy policy as amended from time to time and made available on the timetoremortgage.co.uk Website;

“timetoremortgage.co.uk” means Media Pass Digital Limited (Company Number: 08998315) trading as timetoremortgage.co.uk Services ;

“timetoremortgage.co.uk’s Partners” means the third party financial product providers who make details of the financial products that they offer available on the Website;

“Service” means the service for the time being provided by timetoremortgage.co.uk in accordance with the provisions of these Conditions, including the Website;

“Website” means the website operated by timetoremortgage.co.uk addressed by the Uniform Resource Locator www.timetoremortgage.co.uk

13.2 Any reference in these Conditions to any provisions of a statute shall be construed as a reference to that provision as amended, re-enacted or extended at the relevant time.

13.3 The headings in these Conditions are for convenience only and shall not affect its interpretation.

13.4 References to persons in these Conditions can include companies, associations, partnerships and all other legal entities or groups of legal entities.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

 

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

 

timetoremortgage.co.uk Services is a trading style of Media Pass Digital Ltd an Appointed Representative of Financial Management Technology Services Ltd, Authorised & Regulated by the Financial Conduct Authority No 444539 – Registered Office 7 St Petersgate, Stockport SK1 1EB

 

As a regulated business we facilitate introductions to regulated Brokers, who will contact you to compare a range of options from the products they offer. We may receive a fee for this introduction.

 

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.