Terms and Conditions

1. About Us

This website is operated by Anderson Reed Financial Services Ltd, trading as TFS Mortgages.

Anderson Reed Financial Services Ltd is registered in England and Wales under company number 13190705. Our correspondence address is:

Director General's House

15 Rockstone Place

Southampton

SO15 2EP

Anderson Reed Financial Services Ltd is an Appointed Representative of Connect IFA Ltd, which is authorised and regulated by the Financial Conduct Authority. Connect IFA Ltd's Financial Services Register number is 441505. Anderson Reed Financial Services Ltd's Financial Services Register reference is 947349.

TFS Mortgages is a lead-generation service. References in these terms to "TFS Mortgages", "we", "us" or "our" mean Anderson Reed Financial Services Ltd.

2. About These Terms

These terms govern your access to and use of the TFS Mortgages website.

By using this website, you agree to comply with these terms. If you do not agree with them, please stop using the website.

These terms should be read alongside our Privacy Policy and Cookie Policy.

3. Our Lead-Generation Service

TFS Mortgages helps people make enquiries about mortgages, equity release and related financial needs.

TFS Mortgages does not provide mortgage, protection or equity-release advice through this website. Website content, calculators, eligibility indicators and enquiry results are provided for general information and lead-generation purposes only. They are not personal recommendations or regulated financial advice.

When you submit an enquiry, Anderson Reed Financial Services Ltd may review the information to identify an appropriate next step. Depending on the nature of your enquiry, you may subsequently be contacted by a suitably qualified adviser or referred through an approved process.

Any regulated service will be explained separately. You will receive the relevant regulatory, service and fee information before agreeing to receive that service.

Submitting an enquiry does not:

• guarantee that a particular mortgage, product or service will be available;
• guarantee that an application will be accepted;
• constitute a mortgage or equity-release application;
• create an adviser-client relationship;
• oblige you to proceed with any adviser, lender or provider; or
• affect your credit record unless this is explained to you separately and you agree to an appropriate credit search.

4. Equity-Release Enquiries

TFS Mortgages does not provide equity-release advice through this website.

Where an equity-release enquiry requires regulated advice, the referral and advice process will be explained to you and handled through the appropriate approved arrangements. You should not make a decision about equity release based solely on information appearing on this website.

5. Accuracy of Information You Provide

You are responsible for ensuring that information submitted through the website is accurate, current and complete to the best of your knowledge.

Initial indications can only be based on the information you provide. Any later assessment may change if additional information, supporting evidence, affordability checks, credit checks or lender criteria produce a different result.

Please do not submit information about another person unless you have their authority to do so and have explained how their information will be used.

6. Charges

There is no charge for submitting a TFS Mortgages enquiry.

If you later choose to receive a separate regulated or professional service, any fees, commissions or other charges will be disclosed to you before you agree to proceed. Such charges are not created merely by using this website or submitting an initial enquiry.

7. Website Information

We take reasonable care to keep the website clear and accurate. However:

• mortgage rates, lender criteria and product availability can change;
• examples and calculations may be simplified;
• information may not reflect your individual circumstances; and
• content may not always be complete or immediately up to date.

Nothing on this website constitutes an offer, guarantee or personal recommendation.

You should not make a financial commitment solely in reliance on general website content.

8. Eligibility to Use the Website

This website is intended primarily for people in the United Kingdom who are at least 18 years old.

Some products and services may have additional eligibility requirements. Information on this website should not be treated as confirmation that you qualify.

9. Acceptable Use

You must not:

• use the website for unlawful or fraudulent purposes;
• knowingly submit false, misleading or malicious information;
• attempt to gain unauthorised access to the website or its systems;
• introduce viruses, malware or other harmful material;
• interfere with the website's operation or security;
• use automated systems to extract website content without permission; or
• impersonate another person.

We may restrict access where reasonably necessary to protect users, the business or the website.

10. Intellectual Property

Unless stated otherwise, the website and its content are owned by or licensed to Anderson Reed Financial Services Ltd.

You may view, download or print reasonable extracts for your personal, non-commercial use. You must not reproduce, modify, republish, sell or commercially exploit the website or its content without prior written permission.

11. Third-Party Websites

The website may contain links to third-party websites. These links are provided for information and convenience.

We do not control third-party websites and are not responsible for their content, availability, security or privacy practices. A link does not necessarily indicate endorsement.

12. Website Availability and Security

We aim to keep the website available and secure, but we cannot guarantee uninterrupted or error-free access.

We may suspend, withdraw or change any part of the website for maintenance, security, operational or legal reasons.

You are responsible for using suitable security protections on your device and internet connection.

13. Our Responsibility to You

Nothing in these terms excludes or limits liability where it would be unlawful to do so, including liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any rights that cannot legally be excluded.

Subject to those protections, we are not responsible for loss caused by:

• reliance on general website information instead of personalised advice;
• inaccurate or incomplete information supplied to us;
• matters outside our reasonable control;
• third-party websites or services; or
• business or commercial use of this consumer-facing website.

These terms do not affect your statutory consumer rights.

14. Privacy and Cookies

We process personal information in accordance with our Privacy Policy.

Our Cookie Policy explains the cookies and similar technologies used by the website, including how to manage your analytics preference.

15. Complaints

If you are dissatisfied with our website, enquiry service, communications or the handling of your information, please follow the process set out on our Complaints page.

16. Changes to These Terms

We may update these terms when our service, technology, legal obligations or regulatory arrangements change.

The current version and its last-updated date will always be displayed on this page. Material changes should not be applied retrospectively where doing so would unfairly affect existing rights.

17. Governing Law

These terms are governed by the law of England and Wales.

If you are a consumer living elsewhere in the United Kingdom, you retain any mandatory legal protections and rights to bring proceedings that apply in the part of the United Kingdom where you live.

18. Severability

If any part of these terms is found to be invalid or unenforceable, the remaining sections will continue to apply.

19. Contact Us

TFS Mortgages

A trading name of Anderson Reed Financial Services Ltd

Director General's House

15 Rockstone Place

Southampton

SO15 2EP

Email: info@tfs-mortgages.co.uk

Telephone: 02382 127779