Terms of Service

Last updated: January 2025

1. Introduction

These Terms of Service ("Terms") govern your relationship with The HMO Mortgage Broker ("THMOMB," "we," "our," or "us") when you use our website and mortgage brokerage services. By using our services, you agree to be bound by these Terms.

2. Our Services

THMOMB provides:

• Mortgage brokerage services for HMO properties
• Financial advice and consultation
• Application processing and lender liaison
• Market research and rate comparison
• Ongoing support throughout the mortgage process

3. Regulatory Information

THMOMB is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA reference number is [FCA_NUMBER]. You can verify our registration on the FCA register at www.fca.org.uk/register.

4. Client Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Disclose all material facts that may affect your application
• Respond promptly to requests for information or documentation
• Notify us immediately of any changes to your circumstances
• Pay all agreed fees and charges when due
• Comply with all applicable laws and regulations

5. Our Fees

Our fee structure will be clearly explained before you commit to our services. Fees may include:

• Arrangement fee: Payable on completion of your mortgage
• Advisory fee: For complex cases requiring specialist advice
• Administration fee: For document preparation and processing

All fees are clearly disclosed in our initial client agreement. We do not charge fees for initial consultations or unsuccessful applications unless specifically agreed.

6. Limitation of Liability

While we strive to provide excellent service, our liability is limited as follows:

• We cannot guarantee mortgage approval or specific rates
• We are not liable for lender decisions or delays
• Our maximum liability is limited to the fees paid to us
• We exclude liability for indirect or consequential losses
• We maintain professional indemnity insurance as required by regulation

7. Cancellation Rights

You have the right to cancel our services within 14 days of agreeing to our terms, subject to:

• Written notice of cancellation
• Payment for any work already completed
• Return of any documents or materials

8. Data Protection

We process your personal data in accordance with ourPrivacy Policyand applicable data protection laws. Your data may be shared with lenders and other parties as necessary to provide our services.

9. Complaints Procedure

If you have a complaint about our services:

1. Contact us directly to discuss your concerns
2. If unresolved, submit a formal written complaint
3. We will acknowledge within 5 business days
4. We aim to resolve complaints within 8 weeks
5. If you remain unsatisfied, you may refer to the Financial Ombudsman Service

10. Intellectual Property

All content on our website, including text, images, logos, and software, is protected by intellectual property rights. You may not reproduce, distribute, or modify our content without written permission.

11. Website Use

When using our website, you agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses or malicious code
• Interfere with the website's operation
• Copy or reproduce content without permission

12. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of these third parties. Use of third-party services is at your own risk.

13. Force Majeure

We are not liable for any failure to perform our obligations due to events beyond our reasonable control, including but not limited to natural disasters, government actions, or technical failures.

14. Termination

Either party may terminate our agreement with written notice. Upon termination:

• All outstanding fees become immediately due
• We will return your documents within 30 days
• Our obligations cease except for completed services
• Confidentiality obligations continue indefinitely

15. Governing Law

These Terms are governed by English law. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated through our website or by email. Continued use of our services constitutes acceptance of updated Terms.

17. Contact Information

18. Financial Ombudsman Service

If you are not satisfied with our response to any complaint, you may be able to refer your complaint to the Financial Ombudsman Service: