Terms of Use

What Unmortgageable is

Unmortgageable provides educational content and mortgage guidance tools for UK homeowners. Our guides, quiz, and articles are designed to help you understand mortgage options and make more informed decisions — they are a starting point for your research, not a substitute for professional mortgage advice.

Our content is not financial advice

The information in our guides and quiz results is based on general UK mortgage market data and publicly available lender criteria. It may not reflect your actual situation. Your credit history, income, deposit, and the property you are buying will all affect what you can borrow and on what terms.

Do not make financial decisions based solely on our content. Always speak to a qualified mortgage broker or financial adviser before committing.

We are not mortgage brokers

Unmortgageable is a content and education platform. We are not mortgage brokers and we are not authorised or regulated by the Financial Conduct Authority. We do not arrange mortgages, provide regulated advice, hold client money, or make lending decisions.

Where we link to a broker or lender as a passive editorial reference, we are acting as an introducer only, in reliance on the exemption at Article 33 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001.

For the personal-situation quiz lead-referral to Create Finance Ltd, Unmortgageable operates as an Introducer Appointed Representative under the regulatory cover of Mortgage Advice Bureau (Derby) Limited (FCA FRN 708799). When you tick the consent box on the quiz, we share your contact details and quiz answers with Create Finance so they can call you back and provide regulated mortgage advice. We do not give you advice ourselves.

Your relationship with any firm you contact through this site is entirely separate from Unmortgageable, and we do not receive any money from you as a consumer. Every firm we reference should be independently verifiable on the FCA Register — always check a firm’s Firm Reference Number (FRN) before sharing personal details.

Financial promotions

Nothing on this site is intended to be a financial promotion within the meaning of section 21 of the Financial Services and Markets Act 2000. Our articles and guides are published as educational journalism in reliance on the exemption at Article 20 of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005. Our quiz is a tool that returns generic information about the UK mortgage market based on the category of situation you select — it does not assess your personal circumstances, does not recommend a specific product, and is not a personal recommendation.

If you are considering taking out a mortgage, speak to an FCA-authorised mortgage broker who can assess your individual circumstances and recommend a product suitable for you.

Our content is not legal advice

Our articles cover property law topics including repossession process, mortgage arrears, tenancy rules, building safety, and leasehold reform. This is published legal information, not legal advice. We are not solicitors or barristers, we are not regulated by the Solicitors Regulation Authority or the Bar Standards Board, and we are not authorised to carry out any reserved legal activity under the Legal Services Act 2007.

Where we signpost third-party legal services — including the Housing Loss Prevention Advice Service (HLPAS), Citizens Advice, and Shelter — we describe what those services do so readers can contact them directly. We are not instructing, endorsing, or acting as an intermediary for any solicitor.

Do not make legal decisions based solely on our content. If you are facing repossession, court action, an eviction, or any other property-law dispute, seek advice from a qualified solicitor. HLPAS provides free on-the-day advice at every county court hearing possession cases, regardless of your income.

Affiliate links

We may earn commission when you use services linked from this site, including mortgage brokers and property buying companies. This does not affect the price you pay or the service you receive.

The services listed on this site are presented for informational purposes. We cannot guarantee their suitability for your specific situation. Listing a service does not constitute a personal recommendation. Always verify terms directly with the provider.

Content accuracy

We make reasonable efforts to keep our information current, but mortgage rates, lender criteria, government schemes, and regulations change frequently. We cannot guarantee that every figure on the site is accurate at the moment you read it.

Always verify current rates, eligibility, and terms directly with the lender, broker, or scheme administrator. Nothing on this site constitutes a personal recommendation.

Limitation of liability

Unmortgageable and SaaSquatch Ltd accept no liability for any loss, damage, or expense arising from decisions made based on our content, tools, estimates, or recommendations. Use of this site is entirely at your own risk.

Contact

Questions about these terms? Email hello@unmortgageable.co.uk.