Terms & Conditions

About these terms and conditions

These terms and conditions (together with any documents referred to in them) explain how you may use this website, including accessing, browsing or downloading any part of it.

By accessing or using this website you agree to be bound by, and comply with, these terms and conditions and the documents referred to in them. If you do not agree with or accept any of these terms, you should stop using the website immediately.

This website is operated by Rateswitch Ltd. We are a company registered in England and Wales under company number 10100327 and have our registered office at Sophia House, 28 Cathedral Road, Cardiff, CF11 9LJ. References to us in these terms also include our group companies from time to time.

Rateswitch Ltd is an appointed representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority (“FCA”). Rateswitch Ltd’s FCA reference number is 762308.


Financial information disclaimer

This website provides information and comparison services in relation to particular mortgage products and services that are available from third party providers. This website does not provide, and no information provided on this website is intended to constitute, mortgage, tax or legal advice or any other type of advice, nor does it recommend particular products or services. You should obtain professional or specialist advice before taking, or refraining from, any action on the basis of the information on this website. Any reliance that you may place on the information on this website is at your own risk.

While we aim to keep the information on the website accurate, complete, and up-to-date, we cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information. Mortgage products, regardless of lender, tend to have limited availability and may be withdrawn at any time.

Most of the information on our website about particular products and services is provided by third parties. In general, we act as a mere conduit for this information. Accordingly, we will not be liable in respect of any losses you may suffer arising out of such information or any reliance you may place upon such information. Any reliance that you do place on such information is done at your own risk.

You hereby acknowledge that any information on our website about particular products and services provided by third parties is dependent on the accuracy of information you have provided. You are solely responsible for the accuracy and reliability of any information or materials uploaded by you through the website and you hereby acknowledge and agree that we will not be responsible, or liable to any third party, for the content or accuracy of any information or materials submitted by you through the website.

Note that if we contact you in relation to any enquiry you make through the website regarding your mortgage and you wish to instruct us to process a application for you then we will provide you with separate terms and/or policies regarding how we process that application for you and such processing shall be carried out in accordance with those separate terms and/or policies (and these terms and conditions shall not apply to such further work).


Our content

(a) The content, design, software, databases, text, graphics and all other material on the website, together with all rights of ownership therein (including intellectual property rights), is owned by us or our licensors (as applicable) and protected by copyright laws and treaties around the world. We and our licensors reserve all of our and their rights in any such materials. This means, for example, that we and they remain owners of them and free to use them as we and they see fit.

(b) You may use the website for your own individual, non-commercial use. You are permitted to download and print a single copy of each page of the website for your personal use only. Aside from this none of the content, design, software, text, graphics or other material used on the website may be reproduced, modified or redistributed without our prior and explicit written permission. You must not use this website for any commercial purpose without our express written consent.

(c) We do not make any recommendation or endorsement as to any experts, investments or to any content submitted by third parties or linked to our website. Any reliance you place on content is done at your own risk.


Limitations and exclusions of liability

(a) Nothing in these terms and conditions will: (i) limit or exclude our or your liability for death or personal injury resulting from negligence; (ii) limit or exclude our or your liability for fraud or fraudulent misrepresentation; (iii) limit any of our or your liabilities in any way that is not permitted under applicable law; or (iv) exclude any of our or your liabilities that may not be excluded under applicable law.

(b) The limitations and exclusions of liability set out in this section and elsewhere in these terms and conditions: (i) are subject to the preceding paragraph; and (ii) govern all liabilities arising under the terms and conditions or in relation to the subject matter of the terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

(c) We will not be liable for any loss or damage of any nature arising out of or in connection with the website or your use of the website.

(d) We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

(e) We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.

(f) We will not be liable to you in respect of any loss or corruption of any data, database or software.

(g) We will not be liable to you in respect of any special, indirect or consequential loss or damage.

(h) You accept that we have an interest in limiting the personal liability of our officers and employees. Having regard to that interest, you accept that we are a limited liability entity and agree that you will not bring any claim personally against individual officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions. This will not, of course, limit or exclude the liability of the company itself for the acts and omissions of our officers and employees.

(i) While we try to make sure that the website is available for your use, we do not give any guarantee that the website will be available at all times, nor do we guarantee that access to the website or its content will be free from errors and uninterrupted.



We do not guarantee that the website or its content will be secure or free from bugs, viruses or anything else that may be considered harmful. It is your responsibility to put the necessary safeguards in place to protect yourself and your technology.

You must not misuse the website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the website, the server on which the website is stored or any server, computer or database connected to the website. You must not attack the website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the website will cease immediately.

We will not be liable for any loss or damage caused by a virus or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the website or to your downloading of any content on it, or on any website linked to it.



We take your privacy very seriously. Please take the time to familiarise yourself with our Privacy Policy to understand how we treat your personal information and your own responsibilities in relation to your information and account.



(a) From time to time we may update our terms and conditions by posting a revised version on our website. These terms were last updated on the 1st of November 2020.

(b) We recommend that you check the terms and conditions on the website regularly to ensure that you are informed of, and happy with, these terms and any amendments to them. Continued use of the website after the terms and conditions have been revised will constitute your acceptance of, and your agreement to be bound by, the revised terms and conditions.



(a) If any provision detailed in these terms and conditions is deemed unlawful, invalid or unenforceable that provision will be deemed severed from the remainder and the validity and enforceability of the remaining provisions will not be affected.



(a) You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions without notifying you or obtaining your specific consent.

(b) You must not assign, transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.


Governing law and jurisdiction

(a) These terms and conditions, their subject matter and formation are governed by English & Welsh law.

(b) Any disputes under or relating to these terms and conditions and/or the website will be subject to the exclusive jurisdiction of the English & Welsh courts.


Contact and registration details

If you have any questions about these terms and conditions or about using the website in general, please write to us using our website contact form, or by post to Rateswitch Ltd, Sophia House, 28 Cathedral Road, Cardiff, CF11 9LJ.

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