Use of the Self Cert Remortgages ("we", "us", "selfcertremortgages.co.uk") website ("the site") constitutes acceptance of the Self Cert Remortgages Website User Agreement ("the agreement") and Terms of Use ("terms"). The user of the site ("you") represent that you have read and understood these terms and agree to be bound by them. If you do not agree to all the terms and conditions on this page, please do not use this website. Use of any internal or external links on the Self Cert Remortgages website constitutes acceptance of the terms on this page. If you do not agree with these terms, please exit this site by closing the browser window.

The terms "Self Cert Remortgages", "SelfCertRemortgages.co.uk" encompass the Self Cert Remortgages Internet Site and Marketing Communications.

Self Cert Remortgages UK ( selfcertremortgages.co.uk ) is an independently owned website acts as an advertising and marketing website to attract purspective finance clients looking to obtain a mortgage or remortgage (from people that are proactively searching for a mortgage and remortgage using search engines or directories on the internet) and pass on such enquiries for a fee (but free to the searcher) to financial services. As such, the owners, webmasters and marketing professionals of this website are unable to offer financial advice. Any information contained on the website does not form the basis of any contract. Business or financial decisions should not be based solely on the information contained within this website. Self Cert Remortgages UK is not a lender or broker. We do not sell or recommend mortgages or broker services. Self Cert Remortgages is not responsible or liable for any financial service or mortgage obtained through a 3rd party. A council right to buy mortgage enquiry from this website does not constitute an offer to provide a mortgage. Your home is at risk if you do not keep up repayments on a mortgage or other loans secured on it.

You may be required to pay a broker fee. The fee will depend on your circumstances, with the maximum fee o£ £995 for impaired credit. Early repayment charges may apply. They will vary depending on the mortgage you choose. The overall cost for comparison is 8.6% APR. The actual rates available will depend upon your circumstances. You will be supplied with a Key Facts Illustration to outline all costs and penalties. APR variable and based on a usual case.

Selfcertremortgages

Third Party Web sites

Any third party web sites are outside our control and we therefore do not accept responsibility for their sites or the content therein. When you access third party web sites, you do so at your own risk.

Your use of any third party web site may be subject to specific terms and conditions and privacy policy.

Links from our Web site to a third party web site do not imply that we have endorsed or approved that third party or the content of their web site.

Use of This Web site

You may only use this Web site for legal purposes. You may not use this site to access, copy, publish, download or distribute any material which is defamatory or violates a law or regulation, or to send “spam” or other unsolicited bulk e-mails either directly or indirectly.

Regulated Mortgage Business

Self Cert Re mortgages is an internet marketing company and does not arrange Regulated Mortgage Business. In respect of Regulated Mortgage Business we will provide you with details of an FSA Authorised Firm. By completing their online enquiry form you consent to them contacting you in order to discuss your requirements. You may check that the local Firm is FSA Authorised by going to the Financial Services Authority website at: www.fsa.gov.uk/register.

The Firm that we introduce you to will pay us for the introduction to you. The actual payment amount varies; typically it averages 50% of the lenders commission.

Limitation of Liability

We, Self Cert Remortgages do not provide any legal, financial or other advice. We do not make any recommendations or endorsement as to any product or service supplied by any third party or linked to by our Websites.

We provide our Website and services on an “as is” basis without any warranty or condition, whether implied or otherwise. We have no control over, nor responsibility for, any information provided by you to a third party directly or indirectly through our website. We have no control over, and do not accept liability for, the actions of any Firm with whom you decide to Contract as a result of visiting our Website.

We are not liable to you or any third party for any indirect or consequential loss or damage, loss of profits, contracts, or other revenue or business caused by, or arising from, the use of our Website.

Nothing in this Agreement limits our liability for death or personal injury resulting from our negligence or the negligence of our employees or our liability for fraudulent misrepresentation.

Applicable Law

All disputes arising out of, or relating to, the use of personal information will be governed by English Law and you agree to submit to the non exclusive jurisdiction of the English Courts.

Force Majeure

We will not be liable for any breach of these terms and conditions of use or any failure to provide or delay in providing our services via our Website resulting from any circumstance or event beyond our reasonable control including, without limitation, failure or breakdown of systems or network access, fire, explosion or accident.

Data Protection & Privacy Statement

Any information you supply to Self Cert Remortgages will be processed only for purposes for which we apply the Data Protection Act. Upon receipt of your written request, together with an administration fee, we will provide you with a copy of the information which we hold concerning you.

Any personal details which you submit to Self Cert Remortgages UK are passed directly to a FSA - Authourised & Regulated firm who is bound by the data protection act. The firm will be listed on the FSA register on the following address: www.fsa.gov.uk/register - No data is passed to a third party marketing company. Self Cert Remortgages may use your personal data for the purposes notified by us to the Information Commissioner. By submitting your personal data to us, you consent to it being processed by Self Cert Remortgages.