Terms & Conditions

Introduction

These Terms and Conditions govern your use of the Exclusive Mortgage Advice Services website and the mortgage and financial guidance services we provide. By accessing this website or contacting us for advice, you agree to the terms set out below.

Please read these terms carefully. If there is anything you are unsure about, please contact us before proceeding and we will be happy to clarify.

About These Terms

Exclusive Mortgage Advice Services Limited is an independent whole-of-market mortgage and protection brokerage providing tailored mortgage advice and protection planning to clients across the UK.

These terms apply to anyone who visits our website, completes an enquiry form, or engages us for mortgage or financial guidance. They set out the basis on which we provide information and advice and what you can expect from us.

Our Services

Exclusive Mortgage Advice Services provides personal mortgage and financial guidance designed around your individual circumstances. The services we may discuss include, among others:

• First-time buyer guidance.
• Remortgage advice and reviews of existing borrowing.
• Buy to let and portfolio landlord finance discussions.
• Home mover mortgage guidance.
• General mortgage advice for circumstances that do not fit a single category.
• Protection-related guidance, such as life insurance, critical illness cover, income protection, mortgage protection, family protection and business protection.

The guidance we provide is based on the information you share with us. The starting point is always understanding your situation and objectives before we discuss options.

Information You Provide

To give you meaningful guidance, we rely on accurate and complete information from you. This includes details such as your income, deposit, existing commitments, property details and your future plans.

You agree to provide information that is accurate and complete to the best of your knowledge and to let us know promptly if your circumstances change. Providing incorrect or incomplete information may affect the guidance we are able to give and the options available to you.

No Guarantee of a Specific Outcome

While we will always do our best to guide you clearly and professionally, we cannot guarantee that a particular mortgage, product or outcome will be available to you. Mortgages and financial products are subject to lender criteria, affordability assessments, underwriting decisions and other factors outside our control.

Any figures, illustrations or examples discussed with you or shown on this website are intended as a general guide only and should not be treated as a binding offer, a promise of approval, or financial advice tailored to your circumstances until we have had the opportunity to review your individual situation.

Your Responsibilities

When working with us, we ask that you:

• Provide honest and accurate information about your circumstances.
• Let us know if anything changes that could affect your mortgage or financial plans.
• Review any documents or information we share with you and ask questions where anything is unclear.
• Be aware that final decisions on lending or product availability rest with the relevant lender or provider.

Calculators and Tools

Any calculators or tools provided on this website, including mortgage repayment, borrowing and stamp duty calculators, are provided for illustrative purposes only. The results they produce are estimates based on the figures you enter and do not constitute financial advice.

Your actual mortgage payments, borrowing capacity, tax liabilities and available options will depend on your individual circumstances, lender criteria and prevailing rates and rules. Please speak to us before making decisions based on calculator results.

Intellectual Property

All content on this website, including text, graphics, logos, images and design, is the property of Exclusive Mortgage Advice Services Limited or its licensors and is protected by UK intellectual property law. You may view and use this website for personal, non-commercial purposes. You may not reproduce, distribute or otherwise exploit the content without our prior written permission.

Third-Party Links

This website may contain links to third-party websites, such as those of lenders, product providers or regulatory bodies. We are not responsible for the content, accuracy or practices of those websites and accept no liability for their use. Visiting any third-party site is at your own risk.

Limitation of Liability

To the fullest extent permitted by law, Exclusive Mortgage Advice Services Limited accepts no liability for any loss or damage arising from reliance on general information published on this website that has not been confirmed as advice tailored to your circumstances. Nothing on this website is intended to replace personal advice following a review of your individual situation.

We do not accept liability for any indirect or consequential loss arising from your use of this website, except where such exclusion is not permitted under applicable law.

Changes to These Terms

We may update these Terms and Conditions from time to time to reflect changes in our services, legal requirements or the way we work. Any updated version will be published on this page. You should check back periodically to stay informed of any changes. The date shown at the top of this page indicates when the terms were last reviewed.

Governing Law

These Terms and Conditions are governed by the laws of England & Wales. Any disputes arising in connection with them will be subject to the exclusive jurisdiction of the courts of England & Wales, except where alternative arrangements are required by law.

Contact Us

If you have any questions about these Terms and Conditions or the way we work, please get in touch with us.