Terms & Conditions

1. Introduction

These terms and conditions govern your use of the Domus Finance Ltd website and the services we provide. By accessing our website or using our services, you agree to be bound by these terms.

If you do not agree with any part of these terms, please do not use our website or services.

2. About Us

Domus Finance Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA).

• Company Name: Domus Finance Ltd
• Registered Company Number: 8386229
• Registered Office: 1 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1ET
• Registered in: England & Wales

3. Use of Our Website

3.1 Acceptable Use

You may use our website only for lawful purposes. You must not use our website:

• In any way that breaches any applicable local, national, or international law or regulation
• To transmit any unsolicited or unauthorized advertising or promotional material
• To impersonate any person or misrepresent your identity or affiliation with any person
• To knowingly transmit any data or material that contains viruses or other harmful components

3.2 Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Domus Finance Ltd or its licensors and is protected by UK and international copyright laws. You may not reproduce, distribute, or modify any content without our prior written permission.

4. Our Services

4.1 Mortgage and Protection Advice

We provide mortgage and insurance advice and arrange products on your behalf. Our services include:

• Assessing your needs and circumstances
• Researching suitable mortgage and insurance products
• Providing personalized recommendations
• Assisting with application processes
• Ongoing support throughout your mortgage term

4.2 Fees and Charges

Our fees will be discussed and agreed with you before we provide any advice or arrange any products. Typical fees include:

• Mortgage advice fee: A typical fee is £399, payable on application
• Commission: We may receive commission from lenders and product providers
• No upfront cost consultations: Initial consultations are free with no obligation

4.3 Product Suitability

We will recommend products based on the information you provide and our assessment of your needs. However, you are ultimately responsible for deciding whether to proceed with any recommendation. It is important that you provide complete and accurate information to ensure our advice is appropriate.

5. Important Warnings and Disclaimers

5.1 Early Repayment Charges

You may need to pay an early repayment charge to your existing lender when you remortgage or repay your mortgage early. These charges can be substantial, and we will discuss them with you before proceeding.

5.2 Secured Loans and Debt Consolidation

If you are considering securing other debts against your home (such as for debt consolidation), please think carefully about this and consider all other options available to you. Converting unsecured debt into secured debt increases the risk to your property.

5.3 Buy-to-Let Mortgages

Some forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority. The regulatory protections available for residential mortgages may not apply to certain buy-to-let products.

5.4 Property Valuations

Lender valuations are conducted for mortgage purposes only and should not be relied upon as a full structural survey. We recommend obtaining an independent survey before purchasing a property.

6. Information Accuracy

6.1 Website Content

While we make every effort to ensure the information on our website is accurate and up to date, we cannot guarantee its completeness or accuracy. Information about products, interest rates, and eligibility criteria may change without notice.

6.2 No Reliance

The information on our website is for general guidance only and should not be relied upon as financial advice. For personalized advice specific to your circumstances, please contact us for a consultation.

7. Limitation of Liability

7.1 Website Availability

We do not guarantee that our website will always be available or uninterrupted. We may suspend, withdraw, or restrict access to our website for technical, operational, or regulatory reasons.

7.2 Exclusions

To the extent permitted by law, we exclude all liability for:

• Loss of profits, sales, business, or revenue
• Business interruption or loss of business opportunity
• Loss of anticipated savings or business goodwill
• Any indirect or consequential loss

7.3 Nothing in Exclusions

Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, fraud, or any other liability that cannot be excluded or limited by UK law.

8. Third-Party Links

Our website may contain links to third-party websites. We have no control over the content of these websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Data Protection

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

10. Complaints Procedure

If you are unhappy with our service, we have a formal complaints procedure in place:

1. Contact us in writing at the address below or email info@domusfinance.co.uk
2. We will acknowledge your complaint within 3 business days
3. We aim to resolve complaints within 8 weeks
4. If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service

11. Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

12. Changes to These Terms

We may update these terms from time to time. Any changes will be posted on this page with an updated revision date. Continued use of our website after changes are posted constitutes your acceptance of the modified terms.

13. Governing Law

These terms 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.

14. Contact Information

If you have any questions about these terms and conditions, please contact us: