Terms of Service

    Last updated: 25 February 2026

    Important Notice: Our Role

    Taunton Mortgages is an advisor introduction service. We do NOT provide mortgage advice.

    The FCA's Perimeter Guidance Manual (PERG) covers 'introducing' mortgage business. Introducing customers to regulated mortgage advisers is excluded from 'arranging' regulated mortgage contracts, meaning full FCA permission is not needed for this activity.

    For this exclusion to apply, one key condition is that we do not receive money from the borrower in connection with the mortgage.

    We also need to make sure we introduce borrowers to a firm that is FCA-authorised (or an appointed representative) for mortgage business.

    We operate as an introducer that connects individuals seeking mortgages with FCA-authorised mortgage advisors and advisers in our specialist network. All mortgage advice and recommendations are provided by these independent, FCA-authorised advisors, not by Taunton Mortgages.

    The advisors in our network are authorised and regulated by the Financial Conduct Authority (FCA). You can verify their regulatory status on the FCA Financial Services Register at www.register.fca.org.uk

    1. Acceptance of Terms

    By accessing and using the Taunton Mortgages website and submitting enquiries through our platform, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

    2. Service Description

    Taunton Mortgages provides an advisor introduction service for individuals seeking mortgages. Our service includes:

    • Receiving and processing enquiries for mortgages
    • Matching enquirers with suitable FCA-authorised mortgage advisors from our network
    • Facilitating initial contact between enquirers and matched advisors
    • Providing general information about the mortgage market (not personalised advice)

    We do NOT:

    • Provide mortgage advice or recommendations
    • Act as a mortgage advisor or lender
    • Make decisions about suitability of products for you
    • Arrange or complete mortgage applications on your behalf

    3. Advisor Network

    When you submit an enquiry, we will share your details with between 1-3 FCA-authorised mortgage advisors from our network who we believe are best suited to assist you based on your requirements.

    Each advisor operates independently and will contact you directly to provide mortgage advice and services. Any advice, recommendations, or services you receive are provided by the advisor, not by Taunton Mortgages. The advisor is responsible for ensuring any advice is suitable for your circumstances.

    We do not guarantee that any advisor will be able to secure you a mortgage or that you will receive any particular rate, terms, or outcome.

    When you submit an enquiry, we will share your details with the following FCA-authorised mortgage advisors:

    • Katherine Hannaford of The Level Financial [The Levels Financial is a trading name of Brook Financial Services Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Brook Financial Services Limited. Registered Office: The Old Courthouse, 60a London Road, Grantham, Lincolnshire, NG31 6HR. Registered in England Number: 07311674.]

    4. No Advice Provided

    Important: Nothing on this website constitutes financial, mortgage, or investment advice. Any information provided on this website is for general informational purposes only and should not be relied upon as personalised advice.

    Mortgage calculators, rate comparisons, and other tools on this website provide illustrative estimates only and should not be considered as formal quotations or guarantees. Actual mortgage offers will depend on your individual circumstances and lender criteria.

    You should only rely on advice provided directly by an FCA-authorised mortgage advisor who has assessed your individual financial circumstances.

    5. Mortgage Risk Warning

    Your home may be repossessed if you do not keep up repayments on your mortgage.

    Taking out a mortgage is a significant financial commitment. You should carefully consider whether you can afford the repayments, including if interest rates rise or your circumstances change. The advisors in our network will assess affordability as part of their advice process.

    6. Fees and Charges

    Taunton Mortgages: Our advisor introduction service is free for consumers. We do not charge you any fees for submitting an enquiry or being connected with advisors.

    Advisor Fees: The mortgage advisors in our network may charge fees for their advice and services. Any fees charged by an advisor will be disclosed to you directly by that advisor before you proceed. Some advisors may work on a commission-only basis (paid by lenders), while others may charge a fee to you as the client, or a combination of both.

    You are not obligated to proceed with any advisor contacted through our service, and you are free to seek mortgage advice elsewhere.

    7. Accuracy of Information

    You agree to provide accurate and complete information when submitting an enquiry. Inaccurate information may result in advisors being unable to assist you or providing unsuitable recommendations.

    We reserve the right to reject or not process enquiries that appear to contain false, incomplete, or misleading information.

    8. Limitation of Liability

    Taunton Mortgages acts solely as an introducer service. We are not responsible for:

    • The quality, suitability, or outcome of any advice or services provided by advisors
    • Any mortgage products recommended or arranged by advisors
    • Any fees charged by advisors or lenders
    • Any decisions made by you based on information or estimates on this website
    • The accuracy of third-party information or calculators

    To the fullest extent permitted by law, we exclude all liability for any loss or damage arising from your use of this website or services provided by advisors connected through our platform.

    9. Intellectual Property

    All content on this website, including text, graphics, logos, and software, is the property of Taunton Mortgages or its licensors and is protected by copyright and other intellectual property laws.

    You may view and print pages from this website for your personal use only. You may not reproduce, modify, distribute, or commercially exploit any content without our written permission.

    10. Changes to Terms

    We reserve the right to modify these Terms of Service at any time. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.

    11. Governing Law

    These Terms of Service are governed by the laws of England and Wales. Any disputes arising from these terms or your use of our website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

    12. Complaints

    If you have any concerns or complaints about our service, please see our Complaints Procedure page for full details on how we handle complaints and your rights.

    Please note that any complaints about mortgage advice or services provided by advisors should be directed to the individual advisor who provided the service, as they are responsible for their own advice and conduct.

    13. Contact Information

    If you have any questions about these Terms of Service, please contact us:

    Taunton Mortgages

    Tone Vale Limited

    Email: info@tauntonmortgages.co.uk