Terms & Conditions.
Last updated: 17 September 2026
These Terms and Conditions govern your use of the Simplex Mortgages website and the services we provide. They apply to all visitors and clients of our services.
1. Introduction
Simplex Mortgages ("we", "us", "our") is authorised and regulated by the Financial Conduct Authority (FCA Number: 931770). These Terms and Conditions govern your use of our website and the services we provide. By accessing our website or engaging our services, you agree to be bound by these terms.
2. Definitions
In these Terms and Conditions: • "Website" refers to simplexmortgages.co.uk. • "Services" refers to the mortgage, protection, and financial advisory services we provide. • "You" refers to the user, visitor, or client accessing our website or engaging our services. • "We", "us", and "our" refer to Simplex Mortgages.
3. Use of Our Website
You may use our website for lawful purposes only. You agree not to use our website in any way that could damage, disable, overburden, or impair it, or interfere with any other party's use and enjoyment of it. You must not attempt to gain unauthorised access to any part of our website, its systems, or data.
4. Our Services
We act as a whole-of-market mortgage and protection broker. We provide advice and recommendations tailored to your individual circumstances. We will: • Assess your needs and financial circumstances. • Search the market for suitable mortgage and protection products. • Provide recommendations based on affordability and suitability. • Assist with applications and liaise with lenders and providers on your behalf. We do not guarantee that a suitable product will be available, as this depends on your individual circumstances and lender criteria.
5. Fees and Charges
Details of any fees payable for our services will be discussed and agreed with you before any work is undertaken. Unless otherwise agreed, our services may be provided on a fee-free basis where we receive commission from the lender or product provider. Full details of any fees will be provided in your initial consultation and documented in our agreement.
6. Your Responsibilities
You agree to: • Provide accurate, complete, and truthful information when making an enquiry or application. • Inform us promptly of any changes to your circumstances that may affect your application or advice. • Cooperate with reasonable requests for documentation or information required by us, lenders, or providers. • Be at least 18 years of age and legally entitled to enter into a contract in the United Kingdom.
7. Intellectual Property
All content on this website, including text, graphics, logos, images, and design elements, is the property of Simplex Mortgages or its licensors and is protected by UK intellectual property laws. You may not reproduce, distribute, or use any content from this website without our prior written consent.
8. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party websites. Accessing third-party websites is at your own risk, and we recommend reviewing their terms and policies.
9. Limitation of Liability
To the fullest extent permitted by law, Simplex Mortgages shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services. Our liability shall be limited to the extent permitted by applicable law and regulations, and nothing in these terms shall exclude or limit any liability that cannot be excluded under UK law.
10. Regulatory Information
Simplex Mortgages is authorised and regulated by the Financial Conduct Authority (FCA Number: 931770). The FCA does not regulate some forms of Buy to Let Mortgages or Commercial Lending. Your home may be repossessed if you do not keep up repayments on your mortgage.
11. Complaints
If you have a complaint about our services, please contact us using the details below. We will acknowledge your complaint promptly and aim to resolve it as quickly as possible. If we cannot resolve your complaint, you may have the right to refer it to the Financial Ombudsman Service.
12. Changes to These Terms
We may update these Terms and Conditions from time to time. We will post any updated version on this page and revise the "last updated" date accordingly. Your continued use of our website after changes are made constitutes acceptance of the revised terms.
13. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Contact Us
If you have any questions about these Terms and Conditions, please contact us: Email: info@simplex-mortgages.co.uk Phone: 020 8175 6677 Address: Unit 4a, Bourne Court, 3 Southend Rd, Woodford, Woodford Green, IG8 8HD