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Terms and Conditions

Our Terms & Conditions explain other aspects of the way we operate and how this affects you. Please read it in conjunction with our initial disclosure, Terms of Business letter and our Privacy Policy.

About us

Believe Loans Ltd (FCA no. 786476) are an Appointed Representative of Believe Advisor Limited, (FCA no. 841395) who are authorised and regulated by the Financial Conduct Authority.

Believe Advisor Limited (Company number 11842506) Registered address is Believe House, Heavens Walk, Doncaster, DN4 5HZ.

Believe Loans Ltd (Company number 10712649) Registered address is Believe House, Heavens Walk, Doncaster, DN4 5HZ.

You can find out more about us on our website at www.believeloans.co.uk .

Believe Loans Ltd & Believe Advisor Limited is also part of the Believe Money Group.

As joint controllers of your data, Believe Advisor Limited and Believe Loans Ltd comply with the Data Protection Laws in the UK and the UK General Data Protection Regulation. Believe Loans Ltd ICO register number ZA272202

Our Services

Our permitted business includes advising on and arranging mortgages and consumer credit activities. You can check this on the FCA register by visiting the website www.fca.org.uk/Firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.

Fees & commissions

We may charge you a fee, actual fees and charges will be explained by the adviser prior to application & submission to a lender and are detailed in our Terms of Business and in your mortgage illustration. We may also receive commission paid by the Lenders. We do not charge any upfront fees in any circumstances. There may be additional costs relating to the mortgage we recommend to you, and these will be detailed in the mortgage illustration which we will send to you.

Anti-money laundering checks & disclosure

All transactions relating to our services provided are covered by, and adhere to, the Money Laundering regulations and the Proceeds of Crime Act. Our responsibilities include, but are not limited to, verifying the identity and address of our customers and no application will be submitted to a Lender until such verification has been obtained.

This process involves obtaining verification of your identity using documents such as your Passport or Driving Licence and for your address a utility bill, bank statement etc. Identity verification checks may include electronic searches through the Electronic Identification Verification Service, electoral roll and use of credit reference agencies. Consent for us carrying out the appropriate verification checks will be obtained from you and stored on our system. Depending on the level of verification generated we may need to contact you for additional information or documentation. We cannot accept responsibility in instances where placing business is delayed due to these regulations.

We reserve the right to make further enquiries into the source of your funds or wealth to ensure we meet our regulatory obligations. We will require proof of your income and expenditure to satisfy these requirements.

We may check the details you supply against those held on several specific databases. Online verification credit reference agencies have access to, for example information from the Electoral Register and fraud prevention agencies. Scoring methods can be used in the verification process as this gives a more thorough check of the available data. A record of this process will be kept that may be used to help other companies to verify your identity.

It is important that the information you provide is both accurate and honest, and a true reflection of your circumstances If false or inaccurate information is provided, or if a reasonable suspicion of fraud or any other criminal offence is identified, we may make the appropriate search using a reputable online credit reference agency and will keep a record of this search in line with the anti-money laundering rules and the General Data Protection Regulation. We will pass information to organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud, such as fraud prevention agencies, law enforcement agencies and regulatory bodies who may access and use this information to prevent fraud and money laundering.

Failure to disclose relevant information, or change of circumstances, to a provider or Lender may result in your mortgage product being cancelled or withdrawn.

Credit reference checks

To process your application, we may search the files of licensed credit reference agencies, who will keep a record of the search, to confirm your particulars and for the purpose of a credit assessment. A record can be kept of such searches which may be used by other lenders in assessing future applications for finance by you and for fraud prevention. These organisations may use this information in the future to help make credit decisions, prevent financial crime and to trace debtors.

Information held about applicants by credit reference agencies may already be linked to records related to one or more of your partners or members of your household. For an application, you may be treated as financially linked, and the application may be assessed with reference to any ‘associated’ records.

We may also, as part of the application request a Lender’s Decision in Principle. This would involve the Lender conducting either a soft or hard credit search on all applicants, which may leave a mark on your credit files and can have a negative impact on your overall credit scores.

Consent for us carrying out the appropriate verification checks will be obtained from you and stored on our system.

Mortgage illustration

We take every care to ensure the accuracy of the quotes which are based on the latest information available from the lenders at that time. However, the lenders on the panel reserve the right to change % APR or % APRC rates and underwriting criteria at any time and without notice. This may result in a change to the mortgage offered to you or may result in the mortgage offer being withdrawn.

The accuracy of the quotes depends upon the accuracy of the information you have provided. We and the lenders on the panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes because of these checks, the original offer may be changed or withdraw.

The expected time periods from submitting your application to receiving your mortgage funds are only a guide. Any delay in the returning of your documents, proof of income or identification and/or delays with any third party we or the lender use to process your application, may result in your application taking longer to complete.

Debt consolidation: If you’re thinking of consolidating existing borrowing, please be aware that by consolidating unsecured debts and adding them to a mortgage although you may reduce your monthly outgoings you may be changing the interest rate and extending the loan terms which may result in you paying back more interest in the long term.

Adding Fees: If you choose to add fees to the mortgage they will be included in your monthly payments & you will pay interest on them over the term of the mortgage which can increase the total cost of the borrowing and if you settle early, you may pay back more than you received.

Interest Only / part interest & repayment: Please be aware that by having some or all, of your mortgage on interest only you will still have a mortgage balance at the end of the term, and you will need to have sufficient funds to be able to repay the mortgage in full.

Lending into retirement: If you opt for a mortgage term that takes you past your state retirement age you should be confident that you have either sufficient income to be able to continue your mortgage payments until the mortgage finishes or sufficient funds to be able to repay the mortgage balance in full.

Terms of website use

Your use of this website constitutes your agreement to all the terms of use detailed below. The information that is made available on this website is intended for general information purposes only and is provided on an ‘as is’ basis without any warranties of any kind. We do not accept any liability for any loss arising because of reliance on the information contained on this website.

This website is owned by Believe Money Group and is protected by copyright and database rights. You acknowledge that all trademarks (registered or unregistered) used in providing this service shall always remain the property of Believe Money Group.

You shall not copy, adapt, exploit, or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.

We may make improvements or changes to the products, services and prices detailed on this website at any time without notice.

You agree that you will not use this website to: a) Commit or encourage any criminal offence, including but not limited to harming a minor in any way and stalking or harassing another; b) Insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this website; including carrying out any hacking activity; c) Circumvent, or attempt to seek to circumvent, any of the security safeguards of this website; d) Permit any third party to do any of the above.

While we try and ensure that all information on this website is accurate and up to date, errors may occur, and we accept no liability for such errors. If we discover an error, we will amend the website as soon as reasonably possible.

We neither warrant nor represent that your use of this website will not infringe the rights of third parties.

We are interested in protecting your personal information and we only use your personal information in accordance with our Data Protection Policy.

You have sole responsibility for adequate protection and backup of data and/or equipment used by you in connection with this website and will not make a claim against Believe Loans Ltd for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of such materials.

We may edit this policy from time to time. If we make any substantial changes, we will notify you by posting a prominent announcement on our pages.

Believe Loans Ltd reserves the right to refuse access to this website or any component of it. We may at any time, at the discretion of the site’s management, refuse access to certain areas of this website to any individual it chooses – this refusal of access may take whatever form the management deem suitable.

This site is controlled and operated by Believe Money Group from the United Kingdom. We make no representations that materials in this website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so at their own risk and are responsible for compliance with all local laws, if and to the extent local laws are applicable. No material from this website may be downloaded, exported, or re-exported into (or to a national or resident of) any countries that are subject to UK exporting restrictions/legal or socio-economic sanctions.

Complaints

Our priority is to provide customers with the highest level of service. However, in the unlikely event that you have a complaint, please contact us:

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).

Further information on the services provided by the FOS can be found on their website financial-ombudsman.org.uk or alternatively:

We are committed to keeping your information private. We comply with Data Protection laws in the UK & you have several rights. Full details on how we process your personal data & details of your rights can be found in our Privacy Policy on our website.

If your complaint is related to how your personal data has been processed and you are not satisfied with the response from us, you have the right to complain to the Information Commissioners Office (ICO) who is the regulator for data protection in the United Kingdom.

Accessing Our Site

Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice (see below). We will not be liable if for any reason our Site is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our Site, or the entirety of our Site, to users who have registered with us.

If you choose, or you are provided with, a user identification code, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use.

You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.

Any personal data we process about you will be processed in accordance with our Privacy Policy and by using our Site to transmit personal data you consent to such processing, and you warrant that information provided by you is accurate.

Additionally, by using our Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding the Company’s efforts to protect such transmissions.

Law and Jurisdiction

Your use of our Site and these Terms of Use are governed by the Laws of England and Wales whose courts have exclusive jurisdiction of any disputes that may arise under or in connection with the Terms of Use.

However, we retain the right to bring proceedings against you for breach of these Terms of Use in your country of residence or other relevant country.

All the credit and mortgage products we intermediate are governed and construed in accordance with the laws of England and Wales, in relation to any dispute. For your protection you agree to submit to the non-exclusive jurisdiction of the English courts.

Cookie policy

When using our websites, you can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of the websites may become inaccessible or not function properly. For further information about the cookies we use, please see our cookie policy.

Further information

If you have any questions relating to our Terms & Conditions please contact the Compliance Department, Believe Advisor Limited, Believe House, Heavens Walk, Doncaster, DN4 5HZ or email compliance@believeadvisor.com.

It may be necessary to update this policy to meet legal, regulatory, and commercial requirements. Please visit this page from time to time and take note of any changes.