Last updated: 24 February 2026
These Terms of Use (“Terms”) govern your access to and use of the MortgageToolkit website at www.mortgagetoolkit.co.uk (the “Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. About MortgageToolkit
MortgageToolkit is an informational website that provides educational content about mortgages and the property buying process in the United Kingdom. We are not a mortgage broker, lender, or financial adviser. We are not authorised or regulated by the Financial Conduct Authority (FCA).
2. Not Financial Advice
The content on this Site is provided for general informational and educational purposes only. It does not constitute financial advice, mortgage advice, tax advice, legal advice, or any other form of professional advice. The information should not be relied upon as a substitute for professional consultation tailored to your individual circumstances.
Before making any financial decisions relating to mortgages, property purchases, or related matters, you should consult a qualified, FCA-regulated mortgage adviser, solicitor, or other appropriate professional who can consider your specific situation.
3. Accuracy of Information
We make reasonable efforts to ensure the information on this Site is accurate and up to date. However, mortgage products, interest rates, government schemes, regulations, and tax rules change frequently. We cannot guarantee that all information is current at the time you read it.
Figures, rates, and cost estimates provided in our guides are illustrative and based on typical market conditions at the time of writing. Actual costs and rates may differ significantly depending on your circumstances, the lender, and market conditions at the time of your application.
4. Use of the Site
You may use the Site for personal, non-commercial purposes. You agree not to:
- Reproduce, distribute, or republish any content from the Site without our prior written consent
- Use the Site for any unlawful purpose or in violation of any applicable laws
- Attempt to gain unauthorised access to any part of the Site or its underlying systems
- Introduce viruses, trojans, or other malicious code to the Site
- Use automated systems (bots, scrapers) to access the Site without permission
- Misrepresent your identity or affiliation when contacting us
5. Intellectual Property
All content on this Site, including text, graphics, layout, design, and underlying code, is owned by MortgageToolkit or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, modify, distribute, or create derivative works from our content without explicit permission.
You may share links to our pages and quote brief excerpts for non-commercial purposes, provided you attribute the content to MortgageToolkit and include a link to the original page.
6. Third-Party Links
The Site may contain links to external websites operated by third parties. These links are provided for your convenience and do not imply our endorsement of the linked sites. We have no control over and accept no responsibility for the content, privacy policies, or practices of third-party websites.
7. Advertising
The Site displays advertisements served by Google AdSense. These advertisements are clearly distinguishable from our editorial content. The presence of an advertisement does not constitute our endorsement of the advertised product or service. Advertising decisions are made by Google's automated systems based on your browsing history and the content of our pages.
8. Limitation of Liability
To the fullest extent permitted by law:
- The Site and its content are provided “as is” and “as available” without warranties of any kind, whether express or implied.
- We do not warrant that the Site will be uninterrupted, error-free, or free from viruses or other harmful components.
- We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on its content.
- We shall not be liable for any financial losses, including losses arising from mortgage decisions made based on information from the Site.
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
9. Indemnification
You agree to indemnify and hold harmless MortgageToolkit and its operators from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Site or violation of these Terms.
10. Contact Form
When you submit information through our contact form, you agree that the information you provide is accurate. We will use your information only to respond to your enquiry, as described in our Privacy Policy.
11. Changes to These Terms
We may update these Terms from time to time. The “Last updated” date at the top of this page indicates the most recent revision. Changes take effect immediately upon posting. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.
12. Severability
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permitted and the remaining provisions shall continue in full force and effect.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Contact
If you have any questions about these Terms, please contact us via our contact page.