terms & conditions
It is very important that you read these terms and conditions before using this site. It will help to make our role clear to you. By using the site you agree to the terms and conditions set out below.
Who are we?
SRC Financial Services Limited is authorised and regulated by the Financial Services Authority (FSA).
Our registered office address is 368 Rayleigh Road, Eastwood, Leigh on Sea, Essex, SS9 5PT. (Registered in England No. 5399764).
We are not a lender and do not act on behalf of any lender in providing mortgage information. The lender's terms will apply to any application you make through us.
What do we cost?
There will be a separate fee for mortgage advice. The precise amount will depend on your circumstances and loan amount, we estimate that the fee will be 0.5% of the amount borrowed. Please note that for clients introduced through certain housing associations, no client fee will be payable, however we will receive commission from the mortgage lender. The precise amount will depend upon your circumstances.
We may receive an introductory fee from the lender you choose but we will disclose this fee to you within our Key Facts Illustration or mortgage illustration. This is a fee payable to us directly by the lender and in no way affects the cost of your mortgage.
Our role
We are able to act as independent financial advisers.
If we are providing advice or any information, we aim to ensure that the data provided is accurate and current and we update the site on a regular basis. However, most of the information is provided by third parties, principally lenders, and while we continue to make reasonable efforts to verify it, we cannot guarantee either the accuracy or the timeliness of such information and give no warranty of any kind, express or implied.
As a result we make no representation or warranty about the accuracy, completeness or suitability for any purpose of the information and related graphics published on this site. This site may contain technical and factual inaccuracies, misrepresentations, omissions or typographical errors. Any liability we may have for such content however arising is expressly excluded to the fullest extent permitted by law.
Your role
You agree to use this site in accordance with the laws and regulations existing in the UK and acknowledge that this site is designed for use by persons in the United Kingdom only. Accordingly you agree that the information does not constitute a solicitation to you if you are outside the United Kingdom.
Links
This website contains links to third party websites over which SRC Financial Services Limited has no control. SRC Financial Services Limited accepts no responsibility for the content of third party web sites or for any losses which may arise out of the use of a third party website. The presence of a link to a third party does not necessarily mean that SRC Financial Services Limited endorses that site or has any association with the proprietor of that website.
Disclaimer
Whilst reasonable care is taken to ensure that the information contained on this website is accurate, we cannot guarantee it's accuracy and we reserve the right to change the information on this website (including these terms and conditions) at any time without notice. You must check these Terms and Conditions for changes each time you intend to use this website.
SRC Financial Services Limited provides this website on an "as is" basis and makes no representations or warranties of any kind with respect to this website or the content contained on it (including any text, graphics, advertisements, links or other item) and disclaims all such representations and warranties. In addition, neither we nor any other contributor to this website make any representation or gives any warranty, condition, undertaking or term either express or implied as to the condition, quality, performance, accuracy, suitability, fitness for purpose, completeness, or freedom from viruses of the content contained on this website or that such content will be accurate, up to date, uninterrupted or error free.
Nothing on this website shall be regarded or taken as financial advice.
Indemnity
YOU ACKNOWLEDGE THAT YOU ARE SOLELY RESPONSIBLE FOR THE USE TO WHICH YOU PUT THIS WEBSITE AND ALL THE RESULTS AND INFORMATION YOU OBTAIN FROM IT AND THAT ALL WARRANTIES, CONDITIONS, UNDERTAKINGS, REPRESENTATIONS AND TERMS WHETHER EXPRESSED OR IMPLIED, STATUTORY OR OTHERWISE ARE HEREBY EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.
Save in respect of liability for death or personal injury arising out of negligence or for fraudulent misrepresentation, we and all contributors to the website hereby disclaim to the fullest extent permitted by law all liability for any loss or damage including any consequential or indirect loss or damage incurred by you, whether arising in tort, contract or otherwise, and arising out of or in relation to or in connection with your access to or use of or inability to use this website.
Interruptions and omissions
Whilst we take every care to ensure that the standard of this website remains high to maintain the continuity of it, the Internet is not always a stable medium, and errors, omissions, interruptions of services and delays may occur at any time. As a result, we do not accept any ongoing obligation or responsibility to operate this website (or any particular part of it).
Access
We reserve the right to deny users access to the Site or any part of the Site without notice and to decline to provide the service to any user that is in breach of these terms and conditions of use.
Force majeure
We shall not be liable to you for any breach of these terms and conditions of use or any failure to provide or delay in providing our services through the Site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire, explosion or accident.
Applicable law and jurisdiction
These terms, disclaimers and exclusions shall be governed and construed in accordance with English Law and any disputes arising in relation to these disclaimers and exclusions, or your use of the SRC Financial Services Limited, shall fall within the exclusive jurisdiction of the English courts.
Invalidity
If any part of our Terms and Conditions is unenforceable (including any provision in which we exclude our liability to you) the enforceability of any other part of these conditions will not be affected.
Important information on SRC Financial Services Limited
We are required to verify the identity of individuals who apply for a mortgage in accordance with the Proceeds of Crime Act 2002 and the Money Laundering Regulations and no completion on a mortgage will take place until such verification has been obtained.
We may be paid a fee by a lender with whom a mortgage application is placed and then transacted. The amount of this fee will be confirmed to you in your mortgage illustration.
We cannot be held responsible if you are refused a mortgage by a particular lender or only granted one subject to conditions that you find unacceptable.
As part of the mortgage application process, information provided by you may be passed to credit reference agencies.