Using this website.
These terms govern your use of this website. They are separate from any client agreement you enter into when we provide regulated advice — that agreement sets out the terms of our service to you.
Who we are
This website is operated by MortgageTek Limited, trading as Smart Mortgage Solutions — authorised and regulated by the Financial Conduct Authority (firm reference number 788950), registered in England (company number 09261635), at Unit 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB. By using this website you accept these terms.
Information, not advice
The content on this website is for general information only. It does not constitute regulated mortgage, protection or financial advice, nor an offer of finance. Regulated advice is given only after we have assessed your individual circumstances. Any borrowing figures, calculator results or examples shown here are illustrative only — actual lending depends on individual lender criteria, affordability and credit assessment, and lender criteria and figures can change at any time.
Accuracy and currency
We take care to keep information accurate and up to date, and we mark key figures with a “last verified” date where relevant. However, rules, rates, tax bands and scheme details change, and we give no warranty that all content is current or error-free at the moment you read it. Always confirm the current position with us before acting.
Acceptable use
- Use this website lawfully and only for genuine, personal enquiries.
- Do not attempt to gain unauthorised access, disrupt the site, or introduce malicious code.
- Do not scrape, republish or commercially reuse our content without permission.
Intellectual property
The design, text, graphics and branding on this website are owned by or licensed to MortgageTek Limited and are protected by intellectual property law. Lender names and logos are the property of their respective owners and are shown to indicate the lenders we may work with; their inclusion does not imply endorsement or affiliation.
Links to other websites
Where we link to external websites (for example gov.uk, the FCA register or the Financial Ombudsman Service), we do so for convenience. We are not responsible for the content or availability of those sites.
Our liability
To the extent permitted by law, we are not liable for any loss arising from reliance on the general information on this website. Nothing in these terms limits or excludes liability that cannot lawfully be limited or excluded — including liability for death or personal injury caused by negligence, or for fraud.
Complaints and the Ombudsman
If you wish to complain, please contact us at info@mortgage-tek.co.uk or on 0203 827 8560 — see our complaints page. If we cannot resolve it, you may be entitled to refer the matter to the Financial Ombudsman Service at financial-ombudsman.org.uk.
Governing law
These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction over any dispute relating to them.
Changes to these terms
We may update these terms from time to time. The “last reviewed” date above shows when they were most recently checked.