Terms and Conditions


The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Terms of Business

1. Financial Services Act.
The Key Facts sheet that we have given to you tells you about our services. It explains the products we are able to recommend, our status and our charging methods. Our Terms of Business explains other aspects of the way we operate and how this affects you, the client. This Terms of Business Letter will be effective from the date of receipt, but may be amended by us following any initial interview intended to ascertain your current financial situation, objectives and attitude to financial risk. Any such amended Terms of Business Letter will be sent to you within 10 working days of that interview. However, irrespective of any amendments arising from such interviews, we reserve the right to amend the terms of this letter without your consent, but we will give you at least 10 business days notice before conducting any relevant business, unless we consider it impracticable to do so under the circumstances existent at that time.

2. Our Status
Mortgage One is a trading style of B B Financial Services Ltd, Financial Conduct Authority (FCA) Register 497128.  Mortgage One is a division of Sandsea Capital Ltd CRN 11374947.  Our permitted business includes advising on and arranging mortgages and non-investment insurance contracts. You can check this on the FCA's Register by visiting the FCA's website: www.fca.org.uk/Firms/Systems-Reporting/Register or by contacting the FCA on 0800 111 6768

3. Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance: insurance advising and arranging is covered for 100% of the claim in respect of a relevant omission, without any upper limit.
Mortgages: mortgage advising and arranging is covered for 100% of the first £85,000.
Further information about the compensation scheme arrangements is available from the FSCS.

4. Records
We will, if required by you or your agent, supply copies of contract notes and copies of entries in books, records and computerised records relating to you.

5. Personal Interests
We undertake not to transact business for you in which we or one of our customers or any director/partner/employee has a known interest if we become aware that these interests conflict with yours, unless that interest is first disclosed in writing and your consent obtained.

6. Instructions
Normally, we can accept instructions either verbally or in writing by completing the relevant application form and signing the appropriate declaration. Where you have a right to cancel your purchase, the product provider will give you notice of this in writing. Our authority to act on your behalf in accordance with these Terms of Business can be terminated at any time by either side in writing, without prior notice and without penalty. This will be effective from the date the notification is received. However, if transactions already initiated remain outstanding, the notification will only be effected once these have been completed.

7. Ownership
As an intermediary, we never own the products you buy or transact though us. All purchases will therefore be registered in the name(s) of the client(s) and we will forward to you all documents showing ownership of your purchases, as soon as it is practicable after we receive them. In some cases, the product provider will send the documentation directly to you.

8. Review
Our services are specifically geared to providing a telephone or postal based service. For mortgage and non-investment insurance contracts, we will make a diary note upon completion of your transaction to recontact you at a future date. The purpose of this would be for us to conduct a follow up review, as it may not be in your interests to remain with the initial product recommended.

9. Data Protection
Information provided by you may be held, processed, disclosed and used by us, our professional advisers and any associated companies servicing our relationship with you. We will hold the personal information provided by you securely and in confidence in our computerised and manual records. By submitting your personal information to us you agree that: any information we hold about you can be held on computer and/or paper files; any information which you give us may be disclosed to selected third parties or group companies for the purpose of administration as permitted by law. Please note that we will not arrange to involve a third party, unless the security and confidentiality of your personal information is assured.

10. What to do if you have a complaint
If you wish to register a complaint, please contact us:

• in writing: Ian Bye at BB Financial Solutions Ltd, 24 Monkton Street, Monkton, Ramsgate, Kent, CT12 4JE
• by e-mail: ianbye@bbfinancial.co.uk
• by phone: telephone 01843 826290

If you cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service. http://www.financial-ombudsman.org.uk/

11. Client Money
We do not handle clients money. We never accept a cheque made out to us (unless it is in settlement of charges for which we have sent you a bill), nor will we handle cash.

12. Safeguards
For your protection, we are licensed under the Consumer Credit Act, registered under the Data Protection Act, and authorised and regulated by the Financial Conduct Authority. The Consumer Credit Act 1974 will only apply to non-regulated mortgages. If the mortgage we arrange for you is a regulated mortgage contract, our advice to you, the information we disclose and any mortgage offer you receive is subject to FCA regulation and you will have the full protection of the Financial Services Act 2012 in our dealings with you. Please be aware that most business mortgages, buy-to-let mortgages, loans for timeshare purposes and non-regulated investment accounts (i.e. deposit, or current accounts) do not fall under the Financial Conduct Authority's umbrella of protection.

13. Call recording
Telephone calls to Mortgage One may be recorded and used for training, or regulatory purposes.

14. Fees
Mortgage One does not charge a fee for mortgage, or protection advice, but you should be aware of the possibility that other taxes or costs relating to the services that we provide for you may exist even though they are not paid through us, or imposed by us.

15. Law
English law will be the basis of this contract and the language in which this contract will be interpreted, and in which all communications will be conducted, will be English. The Contracts (Rights of Third Parties) Act 1999 shall not apply to this Terms of Business.

16. Internet Privacy Statement
We use independent companies to measure and analyse how people use our website. They use cookies to gather and collate information such as the number of pages viewed on the site, the number of visitors and common ways of arriving at or leaving the site. Doing this enables us to keep our content and navigation fresh and useful. A cookie is a small file which can be saved onto your computer when you visit a website. We use them to monitor visits to areas of our website. Our site-tracking cookies don't contain name or address information, but they do contain a uniquely generated random number so that we differentiate one visitor from another, and the date and time of your last visit to the website. Your web browser lets you turn off both permanent and temporary cookies. However, if you do disable cookies you might not be able to use some of this website.

Updated January 2022

Website Terms and Conditions of Use

The content of this website does not constitute financial advice and is provided for general information purposes only. Mortgage One uses reasonable care to ensure that the information and material appearing on this website is accurate and up-to-date. However, errors and omissions may occur and the user should not take the accuracy of the information and material for granted or rely upon it as a statement or representation of fact. If users are in any doubt they should check this directly with Mortgage One. The information and material on all of the pages of this website is provided as a general illustration of Mortgage One and the services it offers. The information and material contained herein is not intended to and neither does it create any business, contractual or employment relationship and neither is it supplied for any other purpose not explicitly stated. Mortgage One has no control over, and accepts no liability whatsoever for any purpose or use to which the information and material provided on all of the pages of this website may be put by the user.
‘We’, ‘us’ and ‘our’ refers to Mortgage One and our related businesses, a trading style of BB Financial Solutions Ltd.

Terms and Conditions of Use
By accessing, viewing or otherwise using any of our websites, you acknowledge and agree to be subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers or terms and conditions contained on our websites, as amended or modified from time to time (together the Terms and Conditions of Use).

If you do not accept our Terms and Conditions of Use you are not authorised to use our websites. These are our current Terms and Conditions of Use and they replace any others which have appeared previously on any of our websites. We may at any time vary these Terms and Conditions of Use by publishing the new version on our websites. By accessing any of our websites you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.

Any calculators or information provided on our websites are provided for your convenience only and do not constitute either credit or financial advice. Information on our websites has been prepared without consideration of your particular circumstances and should be viewed as generic information only and not as indicating that you should follow a particular course of action. Neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, tort including negligence, statute or otherwise.

Internet security risks
There may be security risks in sending information via the Internet.  You should assess these potential risks when deciding whether to use our online services.

Links to other websites
Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of any third party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on any third party websites.

No warranty or guarantee
While we have tried hard to make sure there are no mistakes in any of the information on our websites, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it or that the information is suitable for your intended use. Further, all information is subject to change without notice. We recommend that you seek independent advice before acting upon any of the information on our websites. We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted. You acknowledge and agree that your use of our websites is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.

Limitation of liability
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, tort including negligence, statute or otherwise. Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our discretion, to resupply the services.

Copyright and trademarks
The material on our websites is protected by copyright. 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 prior 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 prior written consent.

Linking to our websites
You must not link to any of our websites without our prior written permission.