Website Terms of Use | Simply Lending

1. About Us

This website is operated by Simply Lending Solutions Ltd ("we", "us", "our"). Simply Lending is a trading name of Simply Lending Solutions Ltd.

Registered in England and Wales
Company Number: 09676170
Registered Address: Barn 12, Runwell Hall Farm, Hoe Lane, Rettendon Common, Chelmsford, Essex, CM3 8DQ
Authorised and regulated by the Financial Conduct Authority (FCA). FCA Register Number: 745164. You can verify our registration at https://register.fca.org.uk/

2. Acceptance of These Terms

By accessing and using this website, you confirm that you accept these Terms of Use and agree to comply with them. If you do not agree to these terms, you must not use this website.

We may revise these terms at any time by amending this page. Please check this page from time to time to take notice of any changes we make, as they are binding on you. The date of the most recent revision will appear at the top of this page.

3. UK Customers Only

This website and the services described on it are intended for use by residents of the United Kingdom only. The mortgage products, regulatory protections, and financial information referenced on this website relate specifically to the UK market and UK regulatory framework.

If you are accessing this website from outside the UK, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. Nothing on this website constitutes an offer or solicitation in any jurisdiction where such an offer or solicitation would be unlawful.

4. Regulatory Information

Simply Lending Solutions Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 745164. Telephone calls may be recorded for training, quality, and regulatory purposes.

Your home may be repossessed if you do not keep up repayments on your mortgage.

5. Website Content and Financial Advice Disclaimer

The content on this website is provided for general information purposes only. It does not constitute financial, mortgage, insurance, or any other professional advice, and you should not rely on it as the basis for making any financial decision.

Although we make reasonable efforts to keep the information on this website up to date, we make no representations, warranties, or guarantees, whether express or implied, that any content is accurate, complete, or current. Mortgage product details, interest rates, and lending criteria change frequently, and the availability of any product shown on this website is subject to the relevant lender's criteria and terms at the time of application.

Any mortgage illustrations, calculators, eligibility tools, or similar features (including the Quick Check tool described in Section 6) are indicative only. They do not constitute a personal recommendation, a mortgage offer, an agreement in principle, or a guarantee of any kind. Before making any financial decision, you should seek advice from a suitably qualified adviser who can consider your individual circumstances.

6. Quick Check Tool

Certain pages on this website offer access to our Quick Check tool, which is designed to give you a quick idea of your mortgage options based on the details you provide. The general disclaimers in Section 5 apply to the Quick Check tool. In addition, by using the Quick Check tool you acknowledge and agree to the following:

Filtered results only – The mortgage options displayed have been filtered based on the information you entered. They are examples only and do not represent the full market. Once we review your complete financial circumstances, you may be eligible for more, fewer, or different products than those shown.
Subject to lender assessment – Any mortgage application will be subject to the lender's own assessment, which will include a credit check, verification of your income, review of your financial commitments, and valuation of the property you wish to purchase or remortgage.
Email communication – By using the Quick Check tool, we may email you a link to view your results again and, where relevant, updates about mortgages, rates, and related services. You can opt out of these communications at any time by using the unsubscribe link in any email or by contacting us directly.
Speak to an adviser – For a complete picture of your mortgage options and tailored advice suited to your individual circumstances, we recommend speaking to one of our qualified mortgage advisers, who will review your situation in detail and recommend the most suitable products for you.
Advertising measurement – We may use limited technical information (such as anonymised or aggregated data) to understand which marketing activities help people find our services and to improve how we operate. This is carried out in accordance with our Privacy Policy and applicable data protection legislation.

The Quick Check tool is provided on an "as is" basis. We do not warrant that the tool will be uninterrupted, error-free, or that the results will be complete or accurate in all cases.

7. Acceptable Use

You may use this website only for lawful purposes. You must not use this website:

In any way that breaches any applicable local, national, or international law or regulation.
In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
To attempt to gain unauthorised access to our website, the server on which our website is stored, or any server, computer, or database connected to our website.
To scrape, data-mine, or use any automated system to extract data from this website without our express written permission.

8. Information You Provide to Us

Where you provide personal information through this website (for example, via enquiry forms, callback requests, the Quick Check tool, mortgage calculators, or eligibility tools), you confirm that the information you provide is accurate, complete, and not misleading. You are responsible for keeping any account credentials confidential.

We will process any personal data you provide to us in accordance with our Privacy Policy and Cookie Policy, both of which can be found on this website.

9. Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights in this website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our website for your personal use. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.

You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.

10. Third-Party Links and Resources

Where this website contains links to other websites and resources provided by third parties (including lender websites, insurance providers, comparison tools, and regulatory bodies), these links are provided for your information only. We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

The inclusion of a link to a third-party website does not imply any endorsement of, or association with, its operators or content.

11. Limitation of Liability

Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to this website or any content on it, whether express or implied.

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

Use of, or inability to use, this website or any of its tools (including the Quick Check tool).
Use of or reliance on any content or results displayed on this website.
Any interruption or cessation of transmission to or from this website.

In particular, we will not be liable for any loss of profits, sales, business, or revenue; loss of business opportunity, goodwill, or reputation; loss of anticipated savings; or any indirect or consequential loss or damage.

We do not guarantee that this website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes, and platform to access our website. You should use your own virus protection software.

12. Complaints

If you wish to make a complaint about this website or our services, full details of our internal complaints procedure, including how to contact our Compliance Manager and how to refer a complaint to the Financial Ombudsman Service, can be found on our dedicated complaints page at www.simplylending.co.uk/complaints.

13. Governing Law and Jurisdiction

These Terms of Use, their subject matter, and their formation (and any non-contractual disputes or claims) are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction.

14. Severability

If any provision of these Terms of Use is found by any court or regulatory body to be invalid, unenforceable, or illegal, the other provisions shall continue in full force and effect.

15. Contact Us

For questions about these Terms of Use, please write to us at:

Simply Lending Solutions Ltd

Barn 12, Runwell Hall Farm, Hoe Lane, Rettendon Common, Chelmsford, Essex, CM3 8DQ