Terms and Conditions

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Effective Date: 14th April 2025 Updated: 14th April 2025

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore intended for consumers based in the United Kingdom.

1. Legal Status and Regulatory Disclosure
Mortgage One and Mortgage One Finance are trading styles of Sandsea Capital Ltd, registered in England and Wales under Company Registration Number 11374947. Sandsea Capital Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. FCA Register numbers: 440703 and 440718. The FCA Register is accessible at: https://register.fca.org.uk/s/

Our permitted business includes advising on and arranging mortgages and non-investment insurance contracts.

Please note: The Financial Conduct Authority does not regulate some forms of Buy-to-Let mortgages.

2. Financial Services Compensation Scheme (FSCS)
Mortgage One does not provide or hold mortgage funds. We act solely as a mortgage intermediary, providing advice and arranging regulated mortgage and insurance products. Any lending obligations rest entirely with the mortgage lender and are governed by the lender's terms and conditions.

Mortgage One is a trading style of Sandsea Capital Ltd, which is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited. In the event that we are unable to meet our obligations, clients may be entitled to compensation under the Financial Services Compensation Scheme (FSCS):

• Mortgage advice and arrangement: 100% of the first £85,000 (per eligible person, per firm)

• Insurance advice and arrangement: 100% of the claim with no upper limit

Eligibility criteria apply. For more information visit: https://www.fscs.org.uk

3. Scope of Agreement and Variation
The Terms of Business set out the basis on which we will provide services to you. This version will take effect upon receipt. We reserve the right to amend these Terms by providing you any revised terms, unless it is impractical to do so.

4. Instructions and Authority
Instructions may be provided to us verbally or in writing. All transactions will require completion of relevant documentation and signatures. Our authority to act on your behalf under these Terms can be terminated by either party at any time by written notice. Termination will not affect any rights or obligations already accrued or any transactions already in progress.

5. Conflicts of Interest
We maintain a Conflicts of Interest Policy in accordance with FCA requirements. Where we or an associated party have a material interest in any transaction, we will disclose this to you in writing and obtain your informed consent before proceeding.

6. Record-Keeping and Access
We will maintain records of all client transactions in accordance with FCA rules and UK data protection laws. Copies of relevant documents can be provided to you or your authorised representative upon written request.

7. Product Ownership and Documentation
As an intermediary, we never hold legal title to any product on your behalf. All products will be registered in your name. We will forward all documentation relating to ownership as soon as practicable after receipt from the provider. Some providers may send documents directly to you.

8. Reviews
We may contact you at a future date to review your arrangements, especially where it may be in your interest to revise or replace the original recommendation. Reviews are not guaranteed unless agreed as part of an ongoing service.

9. Client Money
We do not hold or accept client money. We do not accept cheques made payable to us (unless in settlement of an advice fee invoice), and we do not handle cash.

10. Fees and Charges
Mortgage One may charge a fee of up to £1,100 for advice in relation to mortgage and protection services. In most cases, this fee is waived. However, a fee may become payable where a formal mortgage offer has been secured, and you then choose not to proceed, for example, if you decide to instruct another broker.
Full details of any applicable fees will be clearly outlined in our Initial Disclosure Document (IDD) and your Authority to Proceed, which your adviser will provide and explain before any chargeable activity takes place.
Please note that additional costs, charges, or taxes relating to your mortgage or protection arrangements may apply, which are not charged by or payable through Mortgage One.

11. Data Protection and Privacy
We are committed to protecting your personal data. Your information will be processed in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
Information you provide may be shared with Quilter Financial Services Limited, Quilter Mortgage Planning Limited, our professional advisers and selected third-party providers for regulatory, administrative or compliance purposes. We will only share your data where confidentiality and security are assured. For full details, please refer to our Privacy Policy.

12. Communications and Call Recording
All communications will be conducted in English. Telephone calls may be recorded for monitoring, training and regulatory purposes.

13. Legal Jurisdiction
These Terms are governed by the laws of England and Wales. All communications will be conducted in English. The Contracts (Rights of Third Parties) Act 1999 shall not apply to this agreement.

14. Website Terms of Use
By accessing or using this website, you agree to be bound by the following terms:

• The content is for general information purposes only and does not constitute financial advice.

• We strive to ensure accuracy, but information is subject to change without notice.

• No warranty or guarantee is given as to the accuracy, timeliness, performance, completeness or suitability of any material on this site.

• Use of any material is entirely at your own risk. It is your responsibility to ensure that products or services meet your specific requirements.

• This website and its content are protected by copyright. No part may be reproduced, copied or distributed without our prior written consent.

• You may not link to this website without written permission.

• Unauthorised use may give rise to a claim for damages or be a criminal offence.

15. Website Security and Limitations

• Access to this website is provided on an “as is” and “as available” basis.

• We do not guarantee uninterrupted access or that the website is virus-free.

• While we take reasonable precautions, internet use carries inherent risks and users are responsible for securing their systems.

• We accept no liability for any loss or damage, direct or indirect, arising from website use.

16. Cookies and Analytics
We use cookies and analytics tools to enhance the performance of our website and improve user experience. Cookies collect anonymous data and do not identify individuals. By using our website, you consent to the use of cookies in accordance with our Cookie Policy.

17. Intellectual Property, Copyright and Trademarks
‍The material on our websites is protected by copyright. This includes but is not limited to trademarks, branding, layout, design, and content. No part of it may in any form or by any means (electronic, mechanical, micro-copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our express written permission. You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trade marks owned by us (or our licensors). You must not use any of our trademarks in any way without our express written consent.

18. External Links
This website may contain links to third-party websites. We do not endorse or guarantee the content or services provided on these external sites and accept no liability for their use.

Mortgage One and Mortgage One Finance are trading styles of Sandsea Capital Ltd, which is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, authorised and regulated by the Financial Conduct Authority.

FCA Register numbers: 440703 and 440718
FCA Register: https://register.fca.org.uk/s/

Approver: Quilter Financial Services Limited & Quilter Mortgage Planning Limited – 14/04/2025

Disclaimer

The content of this website is provided for general information purposes only and does not constitute personal financial advice, recommendation or an offer to engage in regulated activity. Mortgage One makes every reasonable effort to ensure the accuracy and completeness of the information published on this site. However, we do not warrant or guarantee that any information is accurate, up to date or applicable to your individual circumstances.

You should not rely solely on the information provided on this website when making financial decisions. Any reliance you place on such information is strictly at your own risk. We recommend that you seek formal advice from a qualified mortgage adviser before acting on any content from this website.

Neither Mortgage One, Sandsea Capital Ltd, nor Quilter Financial Services Limited or Quilter Mortgage Planning Limited accepts any liability for any loss, damage or inconvenience arising as a result of the use or inability to use this website, or for reliance on its contents, whether arising in contract, tort (including negligence), breach of statutory duty or otherwise.

Mortgage One does not accept responsibility for the content, availability or security of external websites linked to or from this site. The inclusion of any links does not imply endorsement or approval of the linked website, its operator, or its content.

Mortgage One does not warrant that this site is free from errors, viruses or other potentially harmful components. Users should ensure they have appropriate cybersecurity protections in place before accessing the site.

All content is subject to change without notice. Accessing or using this site implies acceptance of these terms and the related Terms of Business & Website Use.