Website terms of use

Who these terms are with

Before You Apply is a UK educational publisher of mortgage preparation resources. It is not a lender, mortgage adviser or broker. These terms apply to anyone using this website.

These terms are between you and Sarah Newbigging trading as Before You Apply, a sole trader. Contact: hello@before-you-apply.com, or by post at Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, BH16 6FA, United Kingdom. There is no company number because the operator is not a company.

These are the terms for using this website. They are separate from the Product Purchase Terms, which apply only if and when you buy a paid digital product from us.

Educational use only

This website provides educational preparation content and free tools for people preparing a UK mortgage application. Before You Apply is not authorised or regulated by the Financial Conduct Authority and is not a mortgage adviser, broker or lender. We provide educational preparation resources only. We do not give mortgage advice, recommend lenders or products, assess eligibility, arrange mortgages or introduce you to advisers. If you need advice about your own circumstances, contact a suitably qualified FCA-authorised mortgage adviser directly.

No advice, no reliance

Nothing on this site is advice of any kind, including financial, mortgage, legal or tax advice, and nothing constitutes a personal recommendation. You should not rely on any content here as a substitute for advice from a suitably qualified professional about your own circumstances. We accept no responsibility for decisions made in reliance on this site's content.

No guarantee of outcome

We do not guarantee that following any guide, checklist or tool result on this site will lead to a mortgage application being approved, or to any particular outcome. Every lender and every application is different.

Accuracy and availability

We take care over the accuracy of what we publish and follow our editorial policy and corrections policy, but we do not guarantee that content is complete, current or error-free at every moment, and we do not guarantee that the website, or any tool, will be available uninterrupted. We may change, suspend or withdraw any part of this site at any time.

Intellectual property

Unless otherwise stated, the text, design and organisation of this website belong to the operator of Before You Apply, Sarah Newbigging trading as Before You Apply. You may read, print and use content for your own personal preparation. You may not republish, resell or otherwise commercially reproduce our content without permission.

Acceptable use

You agree not to:

• Use this site for any unlawful purpose or to submit false or malicious information through our forms
• Attempt to interfere with the security or normal operation of the site
• Scrape or systematically extract content for commercial redistribution
• Misrepresent this site as providing regulated financial advice

Digital products and purchases

Limitation of liability

To the fullest extent permitted by law, we exclude liability for any loss or damage arising from your use of, or inability to use, this website, or from reliance on any content published on it, except where the law does not allow such an exclusion, for example in relation to death or personal injury caused by negligence, or fraud. Nothing in these terms limits any right you have as a consumer under UK law that cannot lawfully be excluded.

Governing law

These terms are governed by Scots law. This does not affect any mandatory consumer rights you have under the law that applies where you live, or any right you have to bring proceedings in your local courts.

Changes to these terms

We may update these terms as the site develops. Material changes will be reflected here with an updated date shown at the top of this page.