Terms of Use

Last updated: October 16, 2025

1. Acceptance of Terms

By accessing and using DefaultMortgage.co.uk (the "Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Website.

2. Description of Service

DefaultMortgage.co.uk is an information-only website that provides educational content, guides, calculators, and resources related to mortgages for individuals with adverse credit histories. We do not:

  • Provide financial or mortgage advice
  • Arrange or broker mortgages
  • Act as a lender or financial institution
  • Guarantee mortgage approval or specific outcomes

3. FCA Regulation Disclaimer

IMPORTANT: DefaultMortgage.co.uk is NOT authorised or regulated by the Financial Conduct Authority (FCA).

The information provided on this Website is for general guidance only and does not constitute financial advice. Always consult with an FCA-regulated mortgage broker or financial advisor before making any mortgage decisions.

4. No Financial Advice

The content on this Website is provided for informational and educational purposes only. It should not be considered as financial, legal, or tax advice. You should not rely solely on the information provided on this Website when making financial decisions. Always seek independent professional advice tailored to your specific circumstances.

5. Calculator and Tool Accuracy

While we strive to ensure our calculators and tools provide accurate estimates, they are for illustrative purposes only. Results may not reflect actual mortgage offers or approval chances. Lender criteria vary and change frequently. Always verify information with lenders or qualified advisors.

6. Third-Party Links and Content

This Website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Links do not imply endorsement. We recommend reviewing the terms and privacy policies of any third-party sites you visit.

7. User Conduct

You agree not to:

  • Use the Website for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Transmit viruses, malware, or harmful code
  • Scrape, copy, or reproduce content without permission
  • Impersonate any person or entity
  • Interfere with the proper functioning of the Website

8. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of DefaultMortgage.co.uk or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

9. Disclaimer of Warranties

This Website is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

  • Accuracy, completeness, or reliability of information
  • Availability or uninterrupted access
  • Fitness for a particular purpose
  • Non-infringement of third-party rights

10. Limitation of Liability

To the fullest extent permitted by law, DefaultMortgage.co.uk shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

  • Use or inability to use the Website
  • Reliance on information provided on the Website
  • Unauthorized access to or alteration of your data
  • Any other matter relating to the Website

This includes, but is not limited to, losses resulting from mortgage applications, financial decisions, or actions taken based on Website content.

11. Indemnification

You agree to indemnify and hold harmless DefaultMortgage.co.uk, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Website or violation of these Terms.

12. Mortgage Risk Warning

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Mortgages are secured loans. Failing to maintain mortgage payments can result in repossession of your property. Ensure you fully understand the risks and can afford repayments before proceeding with any mortgage application.

13. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes constitutes acceptance of the modified terms. We recommend reviewing this page periodically.

14. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Contact Information

If you have any questions about these Terms of Use, please contact us:

Email: legal@defaultmortgage.co.uk

Website: DefaultMortgage.co.uk

Important Information

DefaultMortgage.co.uk is an information website only. We provide educational content, guides, and tools to help you understand your mortgage options, but we do not provide financial advice or arrange mortgages.

We are not authorised or regulated by the Financial Conduct Authority (FCA). The information on this website is for general guidance purposes and should not be considered as financial or mortgage advice.

Always seek professional advice from an FCA-regulated mortgage broker or financial advisor before making any decisions about mortgages or other financial products. Your home may be repossessed if you do not keep up repayments on your mortgage.