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Terms of use

Terms of use.

The basis on which you use this website, and what the information on it is — and is not.

On this page

Last reviewed: 13 September 2026. Reviewed annually, and sooner if anything changes.

About these terms

This website is operated by ROS Mortgages Limited, registered in England and Wales under company number 16402797. By using the site you accept these terms. If you do not accept them, please do not use the site.

The information here is general

Everything on this website is general information about mortgages, protection and insurance. It is not personal advice and it is not a recommendation. Nothing here should be acted on without speaking to an adviser about your own circumstances, because what is right for one household is often wrong for another.

Rates, lender criteria and product terms change constantly. We keep the site as current as we reasonably can, but we cannot promise every page reflects the market on the day you read it.

Regulation

ROS Mortgages Limited is an Appointed Representative of Arkke Capital Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 952414). ROS Mortgages Limited is entered on the Financial Services Register under reference 1051354. Both entries can be checked on the register at register.fca.org.uk.

Our content

The text, design, logos and images on this site belong to ROS Mortgages Limited or are used with permission. You may read, print and share pages for your own use. You may not republish them, sell them, or present them as your own.

Availability and liability

We try to keep the site available and accurate, but we do not guarantee it will be uninterrupted or error free, and we may change or withdraw any part of it.

We are not liable for loss arising from use of this website where that loss was not reasonably foreseeable. Nothing in these terms limits our liability for fraud, for death or personal injury caused by negligence, or for anything else that cannot lawfully be limited.

Law

These terms are governed by the law of England and Wales, and disputes will be dealt with by the courts of England and Wales.