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The HMO Mortgage Broker

Terms of Service

Last updated: 5 November 2026

These terms apply when you use thehmomortgagebroker.co.uk. The site is run by The HMO Mortgage Broker. By using the site you agree to these terms. If you don't agree, please don't use it.

What we do

The HMO Mortgage Broker is a mortgage introducer. We are not a lender and we do not give regulated mortgage advice ourselves. When you enquire, we introduce you to FCA-authorised mortgage firms, which advise you and arrange any mortgage. Their own terms and fee disclosures will apply, and they will give them to you before you proceed.

Information on this site

  • Guides, calculators, rates and lender criteria are general information, not advice. They don't take your circumstances into account.
  • Rates and criteria are indicative, subject to status and change often. Always get a personal illustration from a qualified mortgage adviser before you decide anything.
  • Calculator results are estimates based on what you enter and the assumptions shown. They are not an offer of finance.
  • We work to keep the site accurate and up to date, but we can't guarantee that every page is complete, current or error-free.

Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Using the site

  • Give accurate information when you contact us or use our forms.
  • Don't misuse the site: no attempts to gain unauthorised access, introduce malicious code, overload it, or collect data from it by automated means without our permission.
  • Don't use our forms to send unlawful, abusive or misleading content.

Intellectual property

The content, design and branding of this site belong to us or our licensors. You may view and print pages for your own use. You may not copy, republish or sell our content without written permission, except for short quotes with a link back to the page.

Links to other sites

We link to lenders, government guidance and other websites for your convenience. We don't control those sites and aren't responsible for their content or how they use your information.

Our liability

We don't exclude or limit liability where it would be unlawful to do so, including for death or personal injury caused by our negligence, for fraud, or for anything else that can't be limited under English law. Subject to that, we aren't liable for loss arising from reliance on general information on this site, or for the site being unavailable. Nothing in these terms affects your statutory rights.

Privacy and cookies

Our Privacy Policy explains how we use your information, and our Cookie Policy explains what the site stores in your browser.

Changes to these terms

We may update these terms. The date at the top shows when they last changed, and the version on this page applies when you use the site.

Law

These terms are governed by the law of England and Wales. The courts of England and Wales have jurisdiction, but if you live in Scotland or Northern Ireland you can also bring proceedings there.

Contact

Email info@thehmomortgagebroker.co.uk with any question about these terms.