Terms of Business
Effective Date: June 2026
These Terms of Business explain the services provided by Mortgage Lynx and the basis upon which we conduct business with our clients.
Please read this document carefully, as it contains important information about our services, regulatory status, fees, and your responsibilities as a client.
About Us
Mortgage Lynx is a trading style of Portman Rise LTD, registered in England and Wales under company number 14872749.
Portman Rise LTD is authorised and regulated by the Financial Conduct Authority (FCA).
FCA Registration Number: 998232
Registered Office
Office 3778
321323 High Road
Romford
RM6 6AX
Email: Click here
Our Services
Mortgage Lynx provides mortgage and protection advice and related services throughout the United Kingdom.
Our services may include:
- Residential mortgages
- Buy-to-let mortgages
- Remortgages
- First-time buyer mortgages
- Protection insurance
- Life insurance
- Critical illness cover
- Income protection
- Buildings and contents insurance referrals
We will assess your needs and provide recommendations based on your personal circumstances and objectives.
Scope of Our Mortgage Service
We provide mortgage advice from a comprehensive range of lenders across the market.
Some mortgage products may only be available directly from lenders and not through intermediaries. Where appropriate, we may refer you to specialist providers or advisers.
Our recommendations will be based on an assessment of your financial circumstances, objectives, and preferences.
Protection Insurance
Protecting your mortgage and financial commitments is important.
We may recommend suitable protection products, including:
- Life insurance
- Critical illness cover
- Income protection
- Family protection products
You are under no obligation to purchase insurance products through us.
Client Responsibilities
You agree to:
- Provide accurate and complete information
- Inform us promptly of any changes to your circumstances
- Supply requested documentation within reasonable timescales
- Review all documents and recommendations carefully
Failure to provide accurate or complete information may affect the suitability of recommendations or mortgage approval.
Fees and Charges
Details of any fees payable for our services will be outlined within our Initial Disclosure Document (IDD), which will be provided to you when we first engage with you as a client.
The Initial Disclosure Document will clearly explain:
- The services we provide
- Whether we charge a fee
- The amount of any applicable fee
- When fees become payable
- Any commission we may receive from lenders or insurers
In addition to any client fees, we may receive commission from lenders and insurance providers for arranging mortgage and protection products.
You will always be informed of any charges before proceeding with an application or recommendation.
Commission Disclosure
We may receive commission from lenders and insurance providers when arranging mortgage or protection products.
The amount of commission received may vary depending on the product provider and product selected.
You are entitled to request information regarding commission arrangements at any time.
Your Property May Be Repossessed
Your home may be repossessed if you do not keep up repayments on your mortgage.
You should carefully consider the affordability of any mortgage or credit commitment before proceeding.
Confidentiality and Data Protection
We are committed to protecting your privacy and handling your personal data responsibly.
Your information will be processed in accordance with UK GDPR, the Data Protection Act 2018, and our Privacy Policy.
We may share information with lenders, insurers, credit reference agencies, solicitors, and other relevant third parties where necessary to provide our services.
Electronic Communication
We may communicate with you by email, telephone, SMS, or other electronic methods.
While we take reasonable precautions, electronic communications may not always be secure and could be intercepted, delayed, or corrupted.
By engaging our services, you consent to communication through electronic means unless you request otherwise.
Complaints Procedure
We are committed to providing a high standard of service.
If you are dissatisfied with any aspect of our service, please contact us:
Mortgage Lynx
Office 3778
321323 High Road
Romford
RM6 6AX
Email: Click here
We will investigate your complaint promptly and fairly.
If you are not satisfied with our final response, you may have the right to refer your complaint to the Financial Ombudsman Service.
Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS).
You may be entitled to compensation from the FSCS if we cannot meet our obligations. Eligibility depends on the type of business and the circumstances of the claim.
Anti-Money Laundering
We are legally required to verify the identity of our clients in accordance with anti-money laundering regulations.
We may request documentation, including:
- Passport or driving licence
- Proof of address
- Evidence of source of funds
We reserve the right to refuse services where satisfactory verification cannot be obtained.
Limitation of Liability
We accept responsibility for losses suffered as a direct result of our negligence or breach of duty.
We shall not be liable for:
- Losses arising from inaccurate information provided by clients
- Delays caused by third parties
- Market fluctuations or lender decisions outside our control
- Indirect or consequential losses
Nothing within these Terms excludes liability where exclusion is prohibited by law.
Termination
Either party may terminate our engagement at any time by providing written notice.
Termination will not affect any rights or obligations accrued prior to termination.
Any outstanding fees for services already provided may remain payable.
Changes to These Terms
We reserve the right to amend these Terms of Business at any time to reflect legal, regulatory, or operational changes.
The latest version will be made available upon request or through our website.
Governing Law
These Terms of Business are governed by the laws of England and Wales.
Any disputes arising shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Regulatory Disclosure
Mortgage Lynx is a trading style of Portman Rise LTD, registered in England and Wales under company number 14872749.
Portman Rise LTD is authorised and regulated by the Financial Conduct Authority (FCA). FCA Register Number 998232.
