Terms and Conditions

Effective Date: 05/05/2025Website: www.firstmortgagesteps.co.ukBusiness Name: First Mortgage StepsContact Email: ku.oc.spetsegagtromtsrif%40olleh
1. IntroductionWelcome to First Mortgage Steps. By accessing or using our website, you agree to be bound by these Terms and Conditions. Please read them carefully. If you do not agree with any part, please do not use our website.
2. About UsFirst Mortgage Steps is a UK-based sole trader providing free mortgage advice and educational content for first-time homebuyers. All mortgage advice is provided through our partnership with Linear Financial Services, a fully regulated firm authorised and regulated by the Financial Conduct Authority (FCA).
3. Services ProvidedWe offer the following:• General mortgage information and guidance for first-time buyers.• Access to free tools, such as mortgage calculators and educational content.• Direct mortgage and protection advice through Linear Financial Services.• A paid guide available for a one-off purchase.• A newsletter for optional subscription.
4. User ResponsibilitiesBy using our website, you agree to:• Use the website for lawful purposes only.• Provide accurate and truthful information in forms.• Not reproduce, distribute, or exploit any website content without prior written consent.
5. Third-Party ServicesOur website uses third-party tools such as Calendly for appointment bookings. We are not responsible for the content, privacy policies, or practices of these third-party platforms.
6. Data Collection and PrivacyWe collect limited personal information (name, email address, and phone number) via contact forms and newsletter subscriptions. For full details, please refer to our Privacy Policy.
7. PaymentsOur website offers a paid downloadable guide available for a one-time fee. All other services are provided free of charge. Payments are handled securely through third-party payment processors (such as Stripe). We do not store any payment information.
8. Refunds for Digital Products8.1 No Automatic Right to Refund. By purchasing our digital First-Time Buyer Mortgage Guide, you acknowledge and agree that the 14-day cancellation period under the Consumer Contracts Regulations does not apply once the download or access to the digital content has commenced. This is in accordance with UK consumer law, which states that the right to cancel is lost if the download has started with the consumer's consent.​Which?
8.2. Exceptions for Faulty ContentIf the digital guide you receive is defective, corrupted, or otherwise unusable, please contact us within 14 days of purchase. We will provide a replacement file or, if a replacement is not possible, issue a full refund.​
8.3. Discretionary RefundsRefunds for digital products are generally not provided. However, we may consider refund requests on a case-by-case basis at our sole discretion. To request a refund, please contact us at [insert contact email] with your order details and the reason for your request.​
8.4. ChargebacksInitiating a chargeback without first contacting us to resolve the issue may result in the forfeiture of any refund eligibility. We encourage customers to reach out to our support team to address any concerns regarding their purchase.
9. No Guarantee of Mortgage ApprovalWhile we offer expert advice, we do not guarantee mortgage approvals or specific lending outcomes. All decisions are made by lenders and subject to their criteria.
10. Limitation of LiabilityWe strive to ensure our content is accurate and up to date, but we accept no liability for any loss or damage arising from the use of our website or reliance on the information provided.
11. Intellectual PropertyAll website content, including text, graphics, logos, and tools, are the property of First Mortgage Steps unless otherwise stated. You may not use or reproduce any content without written permission.
12. Changes to These TermsWe reserve the right to update these Terms and Conditions at any time. Any changes will be posted on this page, and continued use of the site constitutes acceptance of the updated terms.
13. Governing LawThese Terms and Conditions are governed by and construed in accordance with the laws of England and Wales.
14. Contact UsFor any questions about these terms, please contact us at:ku.oc.spetsegagtromtsrif%40olleh