Terms of Use

1. Introduction

Welcome to Your Home Finance Limited's website. By accessing and using this website, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use our website.

Your Home Finance Limited (Company Number 14506378) is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Number 989177).

2. Use of Website

You may use this website only for lawful purposes and in accordance with these Terms of Use. You agree not to:

• Use the website in any way that violates any applicable law or regulation
• Attempt to gain unauthorized access to any part of the website or any systems or networks
• Transmit any viruses, malware, or other harmful code
• Interfere with or disrupt the website or servers
• Use automated systems to access the website without our permission
• Reproduce, duplicate, or copy any content without our written consent

3. Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of Your Home Finance Limited or its licensors and is protected by UK and international copyright laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

4. Financial Services Information

The information provided on this website is for general guidance only and does not constitute financial advice. We strongly recommend that you seek independent professional advice before making any financial decisions.

Important warnings:

• Your home may be repossessed if you do not keep up repayments on your mortgage
• Not all mortgage products are regulated by the Financial Conduct Authority
• We typically charge a fee for our mortgage advice services

5. Accuracy of Information

While we make every effort to ensure the information on this website is accurate and up-to-date, we cannot guarantee its completeness or accuracy. Mortgage rates, product availability, and lender criteria can change without notice. We reserve the right to modify or discontinue any aspect of the website without prior notice.

6. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites. The inclusion of any link does not imply our endorsement of the linked site.

7. Limitation of Liability

To the fullest extent permitted by law, Your Home Finance Limited shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or inability to use this website
• Any errors or omissions in the content
• Unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from the website

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited under UK law.

8. Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy. By using this website, you consent to the collection and use of your information as described in our Privacy Policy.

9. Complaints Procedure

If you are unhappy with our service, please contact us immediately. We have an internal complaints procedure and will work to resolve any issues. If you remain dissatisfied, you may be entitled to refer your complaint to the Financial Ombudsman Service.

10. Fees and Charges

Typically, we charge a fee of £500 for arranging your mortgage. The precise amount will depend on your circumstances and the complexity of the mortgage arranged. This will be confirmed following our initial discussion and will not exceed £995. We may also receive commission from lenders, which will be disclosed to you.

11. Governing Law

These Terms of Use are governed by the laws of England and Wales. Any disputes arising from these terms or your use of this website will be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on this website. Your continued use of the website after any changes constitutes your acceptance of the new terms.

13. Contact Information

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