Terms and Conditions
Last Updated: March 20251. Introduction
These Terms and Conditions govern your use of the remortgagehelp.co.uk website and the mortgage advisory services provided by NeedingAdvice.co.uk Ltd.
By using our website or services, you agree to these terms. If you do not agree, please do not use our services.
2. About Us
Company Information
3. Our Services
We provide mortgage advisory services including:
- Remortgage advice and applications
- Whole-of-market mortgage searches
- Application processing and case management
- Ongoing mortgage reviews
Important Notice
We are mortgage intermediaries, not lenders. We cannot guarantee mortgage approval or specific rates. All mortgage offers are subject to lender criteria and underwriting.
4. Your Responsibilities
You must:
- Provide accurate and complete information
- Inform us of any changes to your circumstances
- Read all documents we provide carefully
- Ask questions if anything is unclear
- Respond to requests for information promptly
Legal Warning
Providing false or misleading information may result in mortgage offer withdrawal or criminal prosecution.
5. Our Fees
We will explain our fees clearly before you proceed. Fees typically include:
| Fee Type | Description |
|---|---|
| Lender Commission | Paid by lenders (does not increase cost to you) |
| Client Fees | May be charged in some cases (disclosed upfront) |
6. Cancellation Rights
14-Day Cancellation Period
You have the right to cancel within 14 days of receiving our services agreement. Cancellation must be in writing.
7. Limitation of Liability
We provide professional mortgage advice with reasonable care and skill. However:
We’re not liable for lender decisions or delays
We’re not liable for property value fluctuations
We’re not liable for changes in your circumstances
Our liability is limited to the extent permitted by FCA rules and law. We hold Professional Indemnity Insurance.
8. Data Protection
We process your personal data in accordance with our Privacy Policy and UK GDPR.
9. Complaints
If you’re unhappy with our service, please see our Complaints Procedure.
You also have the right to refer complaints to the Financial Ombudsman Service.
10. Governing Law
These terms are governed by the laws of England and Wales.
11. Contact Us
Get in Touch
107-109 Far Bank
Shelley, Huddersfield
HD8 8HT