Terms of service

Terms and Conditions

Effective Date: 24 July 2026
Last Updated: 24 July 2026

Welcome to Mortgage Underground ("we", "our", "us"). By accessing or using www.mortgageunderground.com ("Website"), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our Website.

1. About Mortgage Underground

Mortgage Underground is a free mortgage education and customer connection platform.

Our purpose is to provide educational information about mortgages and, where appropriate, help users connect with experienced mortgage professionals.

We do not charge customers any fees for using our platform or for introductions to mortgage experts.

2. No Mortgage Advice

The information provided on this Website is for general educational and informational purposes only.

Mortgage Underground does not provide personalised mortgage advice, financial advice, legal advice, or tax advice unless expressly stated.

If you require advice specific to your circumstances, you should speak with an appropriately authorised mortgage adviser or other qualified professional.

Nothing on this Website should be interpreted as a recommendation to enter into any mortgage or financial product.

3. Connecting You With Mortgage Professionals

Where appropriate, Mortgage Underground may introduce users to independent mortgage advisers or mortgage firms.

We do not guarantee:

Mortgage approval
Acceptance by any lender
The availability of any specific mortgage product
The outcome of any mortgage application
The suitability of any adviser or lender for your circumstances

Any agreement between you and a mortgage adviser, broker, lender, or other third party is solely between those parties.

4. Eligibility

You confirm that:

You are at least 18 years old.
The information you provide is accurate and complete.
You will not knowingly submit false or misleading information.

5. Your Responsibilities

By using our Website, you agree to:

Provide truthful and accurate information.
Use the Website lawfully.
Respect the rights of other users.
Not attempt to interfere with the Website's security or operation.

6. Intellectual Property

Unless otherwise stated, all content on Mortgage Underground, including text, graphics, branding, logos, images, videos, website design, and educational materials, is owned by or licensed to Mortgage Underground.

You may view and print content for personal, non-commercial use only.

You must not copy, reproduce, distribute, modify, or republish any content without our prior written permission.

7. Website Content

We aim to keep our content accurate and up to date. However, mortgage products, interest rates, lender criteria, and regulations can change.

We do not guarantee that all information on the Website is complete, accurate, or current at all times.

You should always verify important information with an appropriately authorised professional before making financial decisions.

8. Mortgage Calculators and Tools

Any mortgage calculators, affordability tools, repayment calculators, or other online tools provided on this Website are for illustrative purposes only.

The results are estimates and should not be relied upon as financial advice or as confirmation of mortgage eligibility.

Actual borrowing amounts and mortgage offers depend on individual circumstances and lender criteria.

9. Third-Party Links

Our Website may include links to external websites.

These links are provided for convenience only.

Mortgage Underground is not responsible for the content, security, privacy practices, or availability of third-party websites.

10. Limitation of Liability

To the fullest extent permitted by law, Mortgage Underground shall not be liable for any direct, indirect, incidental, consequential, or financial loss arising from:

Use of the Website.
Reliance on information published on the Website.
Mortgage decisions made by users.
Services provided by third-party advisers, brokers, or lenders.
Website interruptions or technical issues.

Nothing in these Terms excludes liability where it cannot legally be excluded.

11. Privacy

Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

12. Cookies

Our Website uses cookies to improve user experience and analyse website performance.

By continuing to use the Website, you agree to our use of cookies in accordance with our Cookie Policy.

13. Broker Applications

Mortgage professionals applying to join the Mortgage Underground network agree that:

All information submitted is accurate.
They hold any required permissions, licences, or regulatory authorisations applicable to their services.
Mortgage Underground may review applications and accept or decline them at its discretion.
Acceptance into the network does not guarantee customer enquiries or lead volumes.

14. Changes to These Terms

We may update these Terms and Conditions from time to time.

Changes will take effect when published on this Website.

We encourage users to review these Terms periodically.

15. Governing Law

These Terms and Conditions are governed by the laws of England and Wales.

Any disputes arising from the use of this Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Contact Us

If you have any questions regarding these Terms and Conditions, please contact us.

Mortgage Underground

Website: https://mortgageunderground.com

Email: inquiry@mortgageunderground.com

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