1. We do not charge fees to clients for our own services providing that the client does not cancel an application after the lender has instructed a survey, in which case the client will be invoiced an administration fee of £695+VAT. You will be required to submit a survey fee of £695+VAT on submission of your application. We, as a company, derive our income from the introducer's fee paid after legal completion by most French banks and mortgage lenders to registered mortgage brokers. Most lenders usually have an application / arrangement fee structure for the setting up the mortgage itself, which must be paid by the client direct to the lender - normally this only upon acceptance of the lenders' mortgage offer by the client. We do not arrange mortgages below 75,000 euros.

2. We may refer you, if requested, to other firms for specialist advice (for example, for legal, tax and financial advice or translation services). Any fees then charged by other firms or advisers are a matter between yourself and the firm in question. We cannot give, nor accept, any warranty for any advice or services provided by third party firms or advisers, whether we refer you to them or not.

3. We are licensed by the Office of Fair Trading (OFT) under the (UK) Consumer Credit Act. Our Consumer Credit Licence Number is 544045. We are also registered with the (UK) Data Protection Agency under the Data Protection Act 1998 - and under Registration Number is Z8734008

4. In signing our Terms of Business you will be authorising us to act on your behalf in securing a mortgage. Where there is more than one of you, as clients, we shall accept the instructions given verbally or in writing from any one of you as applying to all of you. We will act on your behalf and not on the behalf of any lender we approach to place your requirements. You consent to us holding information relating to your financial and other relevant personal circumstances. This information may be disclosed to French lenders and to firms of Financial Advisers, French or UK insurance providers in connection with Life Assurance or other types of insurance quotations. Otherwise, information will not be disclosed to any other third parties without your prior permission, unless paragraph 9 (below) is applicable in your case.

5. The authority to act on your behalf may be terminated at any time (by either party - i.e. by you or by us) but without prejudice to the completion of any mortgage transactions already initiated and introduced by us to any mortgage lender.

6. French Mortgages EU Terms of Business are governed, and shall be construed in accordance with, English Law only regardless of your domicile.

7. If you have been introduced to us by existing financial advisers, then normally any Life or other types of insurances required will be provided and advised upon by the French lender we use for your French mortgage. If you have been introduced to us by another firm or third party, then you consent to us providing feedback and progress notification to the firm or person in question, as and when appropriate.

8. In making an online application you acknowledge that we have drawn to your attention the advantages and desirability of seeking and taking legal advice and representation from a qualified UK solicitor in all your dealings relating to your purchase. In particular relating to the differing nature of the French legal system and its impact on inheritance, taxation and other related issues. A list of recommended firms and individuals is available in the Links page of our website.

9. The timing and physical release of French mortgage funds is a matter between you, the French Notaire(s) acting in the transaction and the French mortgage lender, as such fund release is a procedural matter, where you, the French Notaire(s) or the French lender must have completed certain aspects or have supplied and received certain acceptance or other documentation before money can be physically released by the lender. Normally, most cases complete without undue delays. We will undertake to proactively assist clients in whatever ways we reasonably can regarding obtaining the timely release of mortgage funds, but we cannot warranty such release, nor the timing, nor can we accept any liability whatsoever for any procedural delay which may occur beyond our own control. Terms and conditions for the use of the French Mortgages EU website

Please read these terms and conditions carefully, they contain important information about your rights and obligations. You can print out these terms and conditions by clicking on the print icon on your browser.


1. Introduction

1.1 This Website is controlled and operated by us from our offices at French Mortgages EU, Allboxes, PO Box 574, Walton on Thames, Surrey, KT12 9DS UK. Please read these terms and conditions carefully before using the French Mortgages website operated by French Mortgages ('our', 'we' or 'us'). In particular, we draw your attention to clauses 4 (Applicability of online materials) and 7 (Liability). By accessing or using the French Mortgages EU.co.uk website ('our Website' or 'the Website') you agree to be legally bound by these terms and conditions as they may be modified and posted on our Website from time to time. You must be over 18 years to use our website.


2. Nature of our Website

2.1 These terms and conditions do not confer any rights on any person or party (other than you and/or us) pursuant to the Contracts (Rights of Third Parties) Act 1999.
2.2 Our Website allows you to review information select and order various bespoke and standard mortgages (the mortgages').
2.3 We refer you to the terms and conditions for mortgages are detailed on the Website.


3. Modifications to Website

3.1 We reserve the right to make changes or corrections to our Website in order to keep in line with the mortgage products offered by lenders or otherwise alter, suspend or discontinue any aspect of our Website or the content or services available through it, including your access to it. Unless explicitly stated to the contrary, any new features including new content shall be subject to these terms and conditions.
3.2 Please note that although we try to ensure that the content of our Website is accurate, at the time of going to the Internet and /or publication our Website may contain typographical errors or other inaccuracies.


4. Applicability of online materials

4.1 Unless otherwise specified all content and materials published on our Website are presented solely for your private, personal and non-commercial use.
4.2 Where content published on the Website is supplied by third parties, you understand that we do not control or endorse such content in any way. All content which is offered by third parties that are not affiliated with or otherwise connected with us, is published in good faith but we do not (to the extent permitted by applicable law) accept responsibility for the accuracy or otherwise of such content (whether published on or offline) and the use of such content, except for content which relates directly to mortgage products that are advertised on our Website. You assume total responsibility and risk for your use of our Website and use of all information contained within it.
4.3 We have used our reasonable endeavors to ensure that our Website complies with UK law. However, we make no representations that the information on our Website is appropriate or available for use in locations outside the UK. Those who visit our Website from other locations do so on their own initiative and are responsible for compliance with all applicable laws
4.4 French Mortgages makes no representations and gives no warranties, express or implied that making mortgages, quotations, or agreements available in any particular jurisdiction outside the UK is permitted under any applicable non-UK laws or regulations. Accordingly, if making mortgages, quotations, or agreements or any part available in your jurisdiction or to you (by reason of nationality, residence or otherwise) is prohibited, those mortgages, quotations, or agreements are not offered to you. You accept that if you are resident outside the UK, you must satisfy yourself that you are lawfully able to enter into such mortgage agreements.
French Mortgages accepts no liability, to the extent permitted by applicable law, for any costs, losses or damages resulting from or related to the entering into or contemplation of entering into any mortgage agreement by persons in jurisdictions outside the UK or who are nominees of or trustees for citizens, residents or nationals of other countries.


5. Linked sites

5.1 French Mortgages make no representations whatsoever about any other websites which you may access through our Website or which may link to our Website. When you access any other website you understand that it is independent from French Mortgages and that we have no control over the content or availability of that website.
In addition, a link to any other website does not mean that French Mortgages endorses or accepts any responsibility for the content, or the use of, such a website and French Mortgages shall not be liable for any loss or damage caused or alleged to be caused by or in connection with use of or reliance on any content, goods or services available on or through any other website or resource. Any concerns regarding any external link should be directed to its website administrator or web master.


6. Availability of our Website

6.1 We will try to make our Website available but cannot guarantee that our Website will operate continuously or without interruptions or be error free and can accept no liability for its unavailability. You must not attempt to interfere with the proper working of our Website and, in particular, you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, website, router or any other Internet connected device.


7. Liability

7.1 We promise that for any mortgage quotation and /or mortgage product detailed on our Website:

• We have the right to arrange the mortgage for you; and
• The mortgage will substantially correspond with the description we have given to you.
• We also promise that any service we provide to you will be provided with reasonable skill and care.
• We exclude all other express or implied terms, conditions, warranties, representations or endorsements whatsoever with regard to any mortgages (including without limitation), our website or any information or service provided through our website.
• We will do our best to ensure that all materials and information published on our Website are accurate, but please note that all content, materials and information on our Website are provided on an as is' basis and you assume total responsibility and risk for your use of our Website and use of all information contained within it.

7.2 We accept no liability for any indirect or consequential loss or damage, or for any loss of data, profit, revenue or business (whether direct or indirect) in each case, however caused, even if foreseeable. In circumstances where you suffer loss or damage arising out of or in connection with the viewing, use or performance of our Website or its contents other than as a direct result of entering into a mortgage agreement (which shall be subject to the exclusions and limitation of liability set out in these terms and conditions in addition to those expressed and implied by the mortgage agreements' own terms and conditions), we accept no liability for this loss or damage (except where we have been negligent) whether due to inaccuracy, error, omission or any other cause and whether on the part of French Mortgages or our servants, agents or any other person or entity.
7.3 If we are liable to you for any reason, our liability will be limited to the sum of £1.00 (one British pound only). This limit does not apply to any liability we may have for death or personal injury resulting from our negligence or for our fraudulent misrepresentation.
7.4 You are responsible for ensuring that your computer system meets all relevant technical specifications necessary to use our Website and is compatible with our Website. You also understand that we cannot and do not guarantee or warrant that any material available for downloading from our Website will be free from infection, viruses and/or other code that has contaminating or destructive properties. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.
7.5 The limitations and exclusions in this clause do not affect your non-excludable statutory rights and only apply to the extent permitted by applicable law.


8. General

8.1 We may assign, transfer, novate or subcontract any or all of our rights and obligations under these terms and conditions at any time.
8.2 If any provision or term of these terms and conditions shall become or be declared illegal, invalid or unenforceable for any reason whatsoever, such term or provision shall be divisible from the other terms and conditions and shall be deemed to be deleted from them.
8.3 These terms and conditions and your use of our website are governed by English law and you submit to the non-exclusive jurisdiction of the English court.
8.4 Except in respect of a payment obligation, neither you nor French Mortgages will be held liable for any failure to perform any obligation to the other due to causes beyond your or FrenchMortgages respective reasonable control.
8.5 Failure or delay by either party enforcing an obligation or exercising a right under these terms and conditions does not constitute a waiver of that obligation or right.


Read our Intellectual Property here.

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Please note: Changes in the exchange rate may increase the sterling equivalent of your debt.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Any advice given by French Mortgages EU is not covered by the Financial Services Authority and therefore you may not benefit from the protection offered by the Financial Services Compensation Scheme.