Terms and Conditions

These Terms of Use outline the rules and conditions for accessing and using Online Mortgage Advisor (OMA) (the “Website“). By using this Website, you agree to comply with these terms.

For detailed information on specific topics, please navigate directly to the relevant sections:

Introduction, what are these terms?

These Terms and Conditions (“T&Cs”) outline the rules and conditions under which Online Mortgage Advisor (“OMA,” “the Company,” “we,” or “us”) provides access to our website and related services. These T&Cs apply to your use of the Online Mortgage Advisor website, including any features, products, services, or content available at https://www.onlinemortgageadvisor.co.uk (“the Website”).

Online Mortgage Advisor operates as both an Introducer to third-party mortgage brokers and an Appointed Representative of an FCA-authorised firm, enabling our own brokers to provide regulated mortgage advice. While some services offered through our Website are regulated, others, such as introductions to third-party brokers, are not. This distinction is explained in detail throughout these Terms and Conditions.

For the purposes of these Terms and Conditions, “our brokers” refers to brokers directly affiliated with Online Mortgage Advisor and operating under our FCA-regulated status. “Independent third-party brokers” are brokers with whom we have a commercial relationship but who operate under their own regulatory status and are not affiliated with Online Mortgage Advisor.

The services and information provided on this Website are intended for individuals residing in the United Kingdom. If you access this Website from outside the UK, you do so at your own risk. Online Mortgage Advisor makes no representations or warranties regarding compliance with laws or regulations in other jurisdictions.

Users outside the UK should note that some services, such as introductions to brokers, may not be available or appropriate in their region. It is your responsibility to ensure that accessing or using our services complies with the laws of your location.

Effective Date of T&C’s: 28th November 2024

Who are we, and where to contact us?

This website is operated by FIND A MORTGAGE ONLINE LTD, a private limited company registered in England and Wales.

Registered Address: Sterling House, Outrams Wharf, Little Eaton, Derby, DE21 5EL.
Company Registration Number: 08662127

Trademark Registration: OMA and Online Mortgage Advisor are registered trading styles of Find A Mortgage Online Ltd (TM Reg No UK00003421542).

Regulatory Information

Find A Mortgage Online Ltd operates as an Appointed Representative of TMG Direct Limited (FCA Ref No. 786245). TMG Direct Limited is authorised and regulated by the Financial Conduct Authority (FCA).

Find A Mortgage Online Ltd is also registered with the FCA under Ref No. 1011535 for specific services. Additionally, we are registered with the Information Commissioner’s Office under registration number ZA078235.

For more details about our regulatory status, please visit the FCA Register.

Acceptance of the Terms and Conditions

By accessing or using our Website and any of the products, services, or features offered through it, you confirm that you have read, understood, and accepted these Terms and Conditions, as well as any additional terms referenced herein or elsewhere on the Website. Your continued use of the Website indicates your agreement to comply with these terms. If you do not agree with any of these terms, you must not use the Website.

To use the Website and any of its services, tools, or features, you must:

1. Be at least eighteen (18) years of age.
2. Not have previously violated these Terms and Conditions, any other applicable terms, or any relevant laws or regulations.

These Terms and Conditions also incorporate the following additional policies, which govern your use of the Website:

• Our use of any personal data you may provide via the Website will be governed by our Privacy Policy.

Our Cookie Policy provides information about how cookies are used on our Website.

Use of our Services

No Financial Advice

• The content, tools, calculators, and other features available on this Website are provided for informational purposes only and do not constitute financial, legal, or professional advice.
• Online Mortgage Advisor does not guarantee the accuracy, completeness, or applicability of any information on this Website to your individual circumstances. Users are encouraged to seek professional advice from qualified advisors before making any financial or legal decisions.

Introducing You to Brokers

Our primary role is to introduce you to mortgage brokers who may assist with your specific needs based on the information you provide. The brokers we introduce you to may either:

• Be our brokers, directly affiliated with Online Mortgage Advisor and operating under our FCA-regulated status, providing regulated mortgage advice for which we are responsible.
• Be independent third-party brokers, with whom we have a commercial relationship but who operate under their own regulatory status.

For our brokers, we ensure compliance with applicable FCA regulations, as they operate under our oversight. However, these brokers are individually responsible for the advice and services they provide to you.

For independent third-party brokers, Online Mortgage Advisor acts solely as an Introducer. While we make reasonable efforts to recommend competent brokers, we do not guarantee the suitability, performance, or outcomes of their services. Your relationship with these brokers is independent of Online Mortgage Advisor, and any agreements or interactions you have with them are subject to their terms and conditions.

By using our services, you acknowledge and agree that:

•       Online Mortgage Advisor provides regulated mortgage advice only through our affiliated brokers operating under our FCA-authorised status.
•       Independent third-party brokers introduced through our services operate independently, and Online Mortgage Advisor is not responsible for their advice, actions, or outcomes.

Content, Tools, and Calculators Disclaimer

The tools and calculators provided on our Website are intended for informational purposes only. While we make reasonable efforts to ensure their accuracy, these tools do not account for individual circumstances and should not be relied upon as financial advice.

Online Mortgage Advisor is not responsible for any decisions you make based on the results generated by these tools. We encourage users to consult with a qualified professional before taking any action.

While we make reasonable efforts to ensure the data, content, and tools on our Website are up-to-date and accurate, we make no guarantees, warranties, or representations, whether express or implied, that they are complete, comprehensive, accurate, or free from error.

You expressly acknowledge and agree that the information on this Website should not be relied upon as a sole basis for making financial or other decisions. Professional judgment and conclusions may differ, and we encourage you to seek advice from a qualified professional before making any financial commitments.

Enquiry Matching Service Disclaimer

When you submit an enquiry through our Website, we use the information you provide to match you with mortgage brokers who may assist with your specific needs. These brokers may either:

• Be our brokers, who are directly affiliated with Online Mortgage Advisor and provide advice under our FCA-regulated status, for which we are responsible.
• Be independent third-party brokers, with whom we have a commercial relationship and who operate under their own regulatory status.

While we strive to introduce you to brokers who can meet your requirements, we do not guarantee:

• The success of these matches.
• That brokers will meet your specific needs.
• The availability of brokers for all enquiries.

For our brokers, Online Mortgage Advisor ensures compliance with FCA regulations. However, these brokers are individually responsible for the quality of the advice and services they provide.

For independent third-party brokers, your relationship is directly with them, and Online Mortgage Advisor is not responsible for their services or advice. You are encouraged to review their terms and conditions and verify their regulatory status independently before proceeding.

Changes to Broker Relationships

Online Mortgage Advisor reserves the right to modify, discontinue, or add partnerships with brokers or service providers at any time and without prior notice. These changes may include adjustments to the brokers we recommend or introduce to you, based on factors such as market conditions, regulatory compliance, or commercial agreements.

We do not guarantee the availability or continuity of relationships with specific brokers or service providers, and any changes will not affect your ability to use our Website or services.

Complaints Handling

For complaints regarding services provided by our brokers who are directly affiliated with Online Mortgage Advisor and operating under our FCA-regulated status via TMG Direct Limited, you may contact us directly. We are responsible for ensuring that complaints about these brokers are addressed in accordance with FCA guidelines.

Complaints related to independent third-party brokers introduced through our introducer services should be directed to the relevant broker, as Online Mortgage Advisor does not have regulatory oversight or liability for their services.

For further guidance on raising a complaint about an FCA-regulated activity, including those involving brokers operating under our FCA-regulated status, you may visit the FCA website.

Marketing Communications

By submitting an enquiry through our Website, you acknowledge that we may use the information you provide to contact you about your enquiry and offer related services. In some cases, and only with your explicit consent, you may also receive marketing communications from Online Mortgage Advisor regarding additional products, services, or offers that may be of interest to you.

We collect and process your data for marketing purposes in compliance with the Privacy and Electronic Communications Regulations (PECR) and the UK General Data Protection Regulation (UK GDPR).

You may withdraw your consent for marketing communications at any time by:

• Following the “unsubscribe” link provided in any marketing email, or
• Contacting us directly as outlined in our Privacy Policy.

For further details about how we handle your personal data, please refer to our Privacy Policy.

User Review and Testimonial Disclaimer

Any testimonials, reviews, or feedback displayed on our Website reflect the individual opinions and experiences of those who have used our services or interacted with brokers we have introduced. These testimonials are provided for informational purposes only and should not be considered as guarantees of similar results or outcomes.
Online Mortgage Advisor does not verify the accuracy of testimonials and is not responsible for the content or claims made within them. Users are encouraged to independently assess the suitability of brokers and services before making any financial commitments.

Intellectual Property Rights

• Online Mortgage Advisor (“OMA”) is the owner or licensee of all intellectual property rights in the Website, including but not limited to:
  • Data, information, materials, and content available on the Website
  • Any database operated by us
  • Proprietary software, algorithms, and source code used on the Website
• These assets are protected under copyright, trademark, and other proprietary or intellectual property laws and treaties worldwide. All rights are reserved.

Usage Restrictions

• You must not use any part of the Website’s content for commercial purposes without obtaining prior written permission from us or our licensors.
• If you print, copy, download, share, or repost content from the Website in violation of these Terms, your right to use the Website will terminate immediately. You must return or destroy any copies you have made upon our request.

Accuracy of Submitted Information

To ensure we can connect you with suitable mortgage brokers, it is essential that the information you provide is accurate, complete, and up-to-date. Any inaccuracies or omissions may result in unsuitable matches, delays, or a failure to provide services.

Online Mortgage Advisor is not responsible for any issues, including failed matches or miscommunications, arising from incorrect, incomplete, or misleading information provided by you. By using our services, you acknowledge and agree that it is your responsibility to provide truthful and accurate details.

All information submitted via the Website must be true, accurate, current, complete, and non-misleading. Submitting hoax, fake, unlawful, offensive, or fraudulent enquiries is strictly prohibited and may result in termination of your access to the Website.

When you submit an enquiry through our Website, we may share your information with mortgage brokers or affiliated organisations to connect you with suitable services. Details about how we handle and share your personal data are outlined in our Privacy Policy. By using our services, you acknowledge and agree to these practices.

When working with affiliated brokers operating under our FCA-regulated status, data sharing is conducted in compliance with FCA rules and your rights as outlined in our Privacy Policy.

Reservation of Rights

The provisions outlined above serve as an express reservation of our rights, including those recognised under Article 4(3) of the Digital Copyright Directive ((EU) 2019/790).

Fees for our services

Our Website is free to use. We do not charge any fees for accessing our content, tools, or services, including submitting an enquiry to be matched with a mortgage broker or using our mortgage comparison tools and calculators.

However, we may earn revenue in the following ways:

1. Referral Fees: We may receive a direct referral fee from a mortgage broker when we refer you to them. The broker pays this fee.
2. Commission: If you engage with the services of a broker we refer you to and they arrange a mortgage for you, we may earn a commission from that broker.
3. Combination of Fees: In some cases, we may receive both a referral fee and a commission for the same referral.
4. Our Brokers: Some brokers we refer you to may work directly with our company. In these cases, we may earn a commission when a mortgage is successfully completed. We may also receive broker fees.
5. Affiliate Links: We may recommend third-party products or services on our website. If you click a link and make a purchase, we may earn an affiliate commission at no additional cost to you.

Affiliate Marketing Disclosure

Our Website may include links to third-party products or services. If you click on these links and make a purchase, we may earn an affiliate commission. This commission does not affect the price you pay for the product or service and is entirely independent of the fees or costs you may incur with the third-party provider.

We are committed to transparency and ensuring that any affiliate partnerships or recommendations on our Website align with the goal of providing useful and relevant information. However, Online Mortgage Advisor does not control or take responsibility for the content, accuracy, or functionality of third-party websites or services accessed via these affiliate links.

We are committed to transparency about how we are compensated for our services.

Limitation of Liability

Our Website is provided for personal and private use only. You agree not to use the Website for any commercial or business purposes.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising from or in connection with:

• Your inability to access or use the Website.
• Your reliance on any data, information, tools, calculators, or other content provided on the Website.

We expressly exclude liability for:

• Loss of profits, sales, revenue, or anticipated savings.
• Loss of business, business opportunities, or goodwill.
• Business interruptions or indirect and consequential damages of any kind.

These exclusions apply to our introducer services and other non-regulated activities. For regulated mortgage advice provided by brokers operating under our FCA Appointed Representative status, liability is governed by applicable FCA rules and regulations.

Viruses, Bugs, and Prohibited Activities

System Security

• We make reasonable efforts to maintain a secure and bug-free system, but we cannot guarantee that our Website will always be secure or free from viruses, bugs, or other harmful components.

Your Responsibilities

• You are responsible for ensuring that your devices, software, and internet access are properly configured to interact with our Website. 
• You must use your own virus protection software to safeguard against potential threats.

Prohibited Activities

You must not:

• Use the Website in a manner that could damage, impair, or harm its performance, availability, or accessibility.
• Use the Website for unlawful, fraudulent, or harmful purposes or activities.
• Upload, share, or distribute any material containing spyware, viruses, Trojans, worms, rootkits, logic bombs, or other malicious or technologically harmful software.
• Conduct systematic or automated data collection activities (e.g., scraping, data mining, or data harvesting) without our express written consent.
• Use bots, spiders, or other automated tools to access or interact with the Website, except for search engine indexing.
• Violate the directives set out in the robots.txt file.
• Attempt to gain unauthorised access to the Website, its server, or any connected server, computer, or database.
• Attack the Website using denial-of-service (DoS) or distributed denial-of-service (DDoS) methods.

Legal Consequences

• Any breach of the above provisions constitutes a violation of applicable laws and may result in criminal prosecution. 
• We will report such breaches to the relevant authorities and cooperate fully by providing information about your identity.

Termination of Access

In the event of misuse or a breach of these provisions, your right to use our Website will cease immediately.

Links to third-party content

Informational Links Only

• Our Website may contain links to external websites or resources provided by third parties. These links are provided solely for your convenience and informational purposes.
• The inclusion of these links does not imply approval, endorsement, or recommendation by Online Mortgage Advisor (“OMA”).

No Control Over Third-Party Content

• We do not control the content of third-party websites or resources linked on our Website.
• Once you click on a third-party link, our responsibility and liability end. We recommend reviewing the terms, policies, and practices of any linked website before engaging with it.

Your Responsibility

• It is your sole responsibility to evaluate and verify the relevance and accuracy of Third-Party Content before relying on it or making decisions based on it.
• Online Mortgage Advisor is not liable for any damage, loss, or other consequences resulting from your reliance on or use of Third-Party Content.

Terms and Termination

Duration of Terms

• These Terms and Conditions will remain in effect while you access or use our Website and services.

Right to Deny Access

• We reserve the right, at our sole discretion and without prior notice or liability, to:
  • Deny access to or use of the Website and services to any individual or entity.
  • Block specific IP addresses for any reason or no reason, including but not limited to breaches of these Terms, representations, warranties, or applicable laws and regulations.

Suspension or Termination

• Online Mortgage Advisor (“OMA”) may suspend or terminate your access to the Website and services at any time, with or without notice, for any reason, including but not limited to:
  • Violations of these Terms and Conditions.
  • Illegal or unauthorised use of the Website.

No Liability for Termination

• Online Mortgage Advisor will not be liable to you or any third party for the suspension, termination, or denial of access to our Website or services.

Modifications, Interruptions, and Corrections

Right to Modify Services

• We reserve the right to change, modify, update, or remove any part of the services, features, or content provided on our Website at any time and for any reason, without prior notice. This includes, but is not limited to, adjustments to broker relationships, tools, or service offerings to reflect business needs, regulatory requirements, or market conditions.
• While we strive to provide accurate and timely information, we are under no obligation to update the content or services offered.
• Where possible, Online Mortgage Advisor (“OMA”) will make commercially reasonable efforts to notify users of any material changes or corrections to Website content.

No Liability for Changes or Discontinuation

• We will not be held liable to you or any third party for any changes, price adjustments, suspension, or discontinuation of the services. Users acknowledge that changes may occur without notice and agree that Online Mortgage Advisor is not responsible for any inconvenience or loss arising from such modifications.

Service Availability

• We cannot guarantee uninterrupted access to the Website or its services, as interruptions may occur due to hardware, software, or other issues, including necessary maintenance or unforeseen circumstances. 
• These interruptions may result in delays, errors, or temporary unavailability of the Website or its features.

Disclaimer of Liability

• You acknowledge and agree that we are not liable for any loss, damage, or inconvenience caused by your inability to access or use the Website or its services during downtime or interruptions.

No Obligation to Support Services

• Nothing in these Terms obligates us to maintain or support the services, nor are we required to provide corrections, updates, or releases for any part of the Website. Additionally, Online Mortgage Advisor reserves the right to discontinue any part of the Website or its services without notice if deemed necessary to meet business or regulatory requirements.

Changes to Terms and Conditions

• We reserve the right to update these Terms and Conditions at any time. Changes will be effective upon posting to this page, and your continued use of the Website indicates your acceptance of the revised Terms.

Corrections

Some content on the Website, including descriptions, pricing, availability, and other information, may occasionally contain typographical errors, inaccuracies, or omissions.

We reserve the right to correct any such errors, inaccuracies, or omissions at any time and without prior notice. This includes updating or changing information related to services, content, or features provided on the Website.

Services Management

We reserve the right, but not the obligation, to:

1. Monitoring
   • Monitor the use of the Website and services for any violations of these Terms and Conditions or applicable laws.
2. Enforcement Actions
   • Take appropriate actions, at our sole discretion, against users who violate the law or these Terms. Such actions may include, but are not limited to:
     • Reporting violations to relevant law enforcement authorities.
     • Providing those authorities with information as necessary to facilitate enforcement.
3. Access Restrictions
   • Refuse or restrict access to our Website or services, at our sole discretion and without limitation.
   • Limit the availability of or disable (to the extent technologically feasible) any user-generated content (“Contributions”) that violates these Terms or our policies.
4. Service Management
   • Manage the Website and services to:
     • Protect our rights and property.
     • Ensure the proper functioning, security, and integrity of the Website and its services.

Transferring this agreement to someone else

We reserve the right to transfer, assign, or delegate our rights and obligations under these Terms and Conditions to another organisation, for example, in the event of a merger, acquisition, or business restructuring. If such a transfer occurs, we will endeavour to provide you with notice in writing and ensure, as far as reasonably possible, that your rights under this agreement remain unaffected.

You are not permitted to transfer, assign, or delegate any of your rights or obligations under these Terms and Conditions without our prior written consent. Any attempted assignment without our consent will be invalid.

Governing law and dispute resolution

These Terms and Conditions are governed by and construed in accordance with English law. Any disputes arising in connection with these terms will be subject to the exclusive jurisdiction of the courts of England and Wales.

Miscellaneous

The headings in these Terms and Conditions are provided solely for convenience and do not affect their interpretation. Any delay or failure by us to exercise or enforce any right or provision under these Terms and Conditions does not constitute a waiver of that right or provision, and we retain the ability to enforce it at a later date.

We are not responsible for any breach of these Terms and Conditions caused by circumstances beyond our control. Nothing in these Terms and Conditions creates a joint venture, partnership, or agency relationship between you and Online Mortgage Advisor (OMA). Neither party has the authority to incur liabilities, debts, or costs, or to enter into contracts or other arrangements on behalf of the other.

Each paragraph of these Terms and Conditions operates separately. If any part is found to be unlawful or unenforceable by a court or relevant authority, the remaining provisions will continue in full force and effect.

OMA® Service Guarantee Terms and Conditions

General

We have 3x guarantees within our service guarantee

1. The OMA® Approval Guarantee
2. The OMA® Deal Beater Guarantee
3. The OMA® Same-Day Guarantee

Customers are only entitled to claim against each guarantee once, and the claim must be registered according to the specific conditions and caveats as outlined below. Online Mortgage Advisor reserves the right to decline a claim if any of the conditions have not been met or can’t be evidenced by the customer.

The OMA® Approval Guarantee Terms & Conditions

The guarantee states that we will pay £100 to customers declined or told no by us, who go on to get the same mortgage requested, elsewhere, subject to the following:

To claim against the OMA® Mortgage Approval Guarantee, please submit a claim form and a member of the team will be in touch.

The OMA® Deal Beater Guarantee Terms & Conditions

The guarantee states that we will pay £100 to customers who have been formally offered a better deal with another lender through a different broker, subject to the following:

To claim against the OMA® Deal Beater Guarantee, please submit a claim form and a member of the team will be in touch.

The OMA® Same-Day Guarantee

The guarantee states that we will pay £100 to customers who have requested an express service and the need for a 24-hour approval, and the agreement in principle took longer than 24 hours, subject to the following:

To claim against the OMA® Same-Day Guarantee, please submit a claim form and a member of the team will be in touch.