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Last updated: October 2026
This summary is for your convenience only and does not form part of these Terms.
These Terms & Conditions of Use (the Terms) set out the terms by which you may make use of our website moneysavingadvisors.co.uk (the Website). Use of the Website includes accessing, browsing, or registering to use the Website.
It is important that you carefully read these Terms before you use the Website, as they apply to your use of the Website. Please feel free to download or print a copy of these Terms for your own future reference.
By using the Website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you should exit the Website immediately and we request that you do not use our service.
For information on how we use personal data that we may collect through the Website and/or in relation to the services that we provide via the Website please see our Privacy Policy. For details on our use of cookies please see our Cookie Policy. Both are incorporated by reference into these Terms.
These Terms are in two parts. Part 1 applies to every enquiry you make through the Website. Part 2 contains additional terms that apply to specific types of product or service. If anything in Part 2 conflicts with Part 1, Part 2 applies for that product or service.
MoneySavingAdvisors.co.uk is a trading style of Money Saving Advisors Ltd, a company registered in England and Wales, number 10726961. Registered Office Address: Regents Pavilion, Moulton Park Industrial Estate, Northampton, England, NN3 6BJ.
Money Saving Advisors Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 1012482). We act as a credit broker, not a lender. Money Saving Advisors Ltd is registered with the Information Commissioner's Office (Registration Number ZA545161).
Not all of the products and services we introduce you to are regulated by the FCA. Wills, lasting powers of attorney, probate, conveyancing, surveys and some business products are not regulated by the FCA. Part 2 explains this in more detail.
MoneySavingAdvisors.co.uk is a lead generation website. We introduce people making an enquiry (enquirers) to firms that provide the products and services they are interested in (Partner Firms). Our involvement is to inform and connect. The Partner Firm, not us, will provide any advice, arrange any product and provide any ongoing support.
We do not cover every firm or every product on the market. There may be other products or services available that are not covered by our Partner Firms.
A list of our Partner Firms is available on request by emailing compliance@moneysavingadvisors.co.uk.
We will not make a personal recommendation to you. Any information we provide is for guidance purposes only and should not be treated as personalised advice. We may ask you some questions to help us direct your enquiry to the right type of firm.
We do not sell, arrange or review products. You cannot buy a product from us. Any contract for a product or service will be between you and the Partner Firm, under that firm's own terms and privacy notice, which you should read carefully before going ahead. It is your responsibility, with the help of the Partner Firm, to make sure any product or service is suitable for you.
Enquirers are not charged for our service.
We are paid by the Partner Firms we introduce you to. We either receive a fee for introducing you, or a commission if you go on to take out a product or service. This does not change the price you pay.
Our service is for people aged 18 or over who live in the UK. Our business products are for people acting on behalf of a UK business.
Information you provide must always be true, accurate and complete. Misleading information is a breach of these Terms and is likely to breach any agreement you enter into with a Partner Firm. It may also result in criminal proceedings against you.
If you give us information about another person (for example, a joint mortgage applicant or a family member to be covered by a policy), you must have their permission to do so, and you should ask them to read these Terms and our Privacy Policy so they understand how their details will be used.
By submitting an enquiry, you authorise the Partner Firms we introduce you to to take reasonable steps to verify the information you have provided. Credit checks for mortgage and loan enquiries are covered in Section 16.
From time to time we run promotional "guarantee" offers relating to specific products, such as best price or best rate guarantees on insurance, mortgages or pension annuities. Every current offer, along with its full terms, eligibility criteria, claim process and expiry date, is published on our Guarantees page. Any promotional offer not listed there is not currently live and cannot be claimed. We reserve the right to vary, withdraw or extend any offer at any time.
We, and the Partner Firms we introduce you to, will contact you about your enquiry by telephone, SMS, post or email. We will only send you marketing about other products and services where you have agreed to receive it, and you can opt out at any time as explained in our Privacy Policy.
We may contact you after your enquiry to ask about your experience of our service or of the Partner Firm you chose, and to invite you to leave a review. You do not have to take part. If you give us feedback and agree that we can publish it, you allow us to publish that feedback, together with your first name or any name you choose to use, on the Website, on review platforms, in our advertising and in other publications. We will not publish your contact details. Any review you leave must be your own genuine and honest opinion of a service you have actually used.
We cannot guarantee that a Partner Firm will offer you a product or service. This may be because of a systems problem, issues outside our control or that of the Partner Firm, your circumstances, or because information has been provided incorrectly.
We are not responsible for the advice, products or services provided by Partner Firms. If you have a problem with a Partner Firm, you should raise it with that firm directly.
We do not exclude or limit our liability where it would be unlawful to do so, including liability for death or personal injury caused by our negligence, or for fraud. Otherwise, we are only liable for loss you suffer where we have been negligent or have not acted in accordance with these Terms, and only for loss that was reasonably foreseeable.
If you use the Website on behalf of a business, then to the extent permitted by law we will not be liable for any loss of profits, sales, business or revenue, business interruption, loss of anticipated savings, loss of business opportunity, goodwill or reputation, or any indirect or consequential loss.
We will not be liable for any loss or damage caused by a virus or other harmful material that may infect your device, programs or data because of your use of the Website, provided we have used reasonable care to keep the Website free from such material.
If you use the Website fraudulently, or we are notified that you have done so, we and/or the Partner Firm may recover from you any reasonable costs we incur as a result.
Under UK data protection law, all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) in certain circumstances, including where:
There are some circumstances where the right to be forgotten does not apply, for example where we need to comply with a legal obligation. If you wish to exercise this right, please email compliance@moneysavingadvisors.co.uk. The Partner Firms we have shared your details with will also be informed of your request. Your other data protection rights are set out in our Privacy Policy.
We make every effort to ensure our service to you is excellent. However, if you wish to make a formal complaint about our service, please email complaints@moneysavingadvisors.co.uk or write to: The Compliance Manager, Money Saving Advisors Limited, Regents Pavilion, Moulton Park Industrial Estate, Northampton, England, NN3 6BJ. See our Contact Us page for full details of our complaints process.
We will acknowledge your complaint within 7 working days and aim to resolve it within 30 days. If you are unhappy with how we have handled your complaint, you can ask for it to be reviewed by a different senior manager, and we will tell you the outcome of that review within 30 days. Our final response will explain how to request this. For complaints about our credit broking service, if you are unhappy with our final response, or we have not sent you one within 8 weeks, you may be able to refer your complaint to the Financial Ombudsman Service, Exchange Tower, London, E14 9SR (telephone 0800 023 4567, www.financial-ombudsman.org.uk). You must do this within six months of our final response.
The Financial Ombudsman Service does not cover our introductions for products and services that are not regulated by the FCA. Complaints about how we have handled your personal data can be referred to the Information Commissioner's Office (telephone 0303 123 1113, ico.org.uk).
Complaints about a Partner Firm, or a product or service it has provided, should be made to that firm directly. If you need its contact details, please contact us.
This section applies to enquiries about residential mortgages, remortgages, buy to let mortgages, commercial mortgages, adverse credit mortgages, secured and homeowner loans, debt consolidation loans, bridging loans, business loans and asset finance.
16.1 For these enquiries, we act as a credit broker, not a lender. We introduce you to lenders, mortgage brokers and advisers who can help with your enquiry. Some business and commercial lending, and some buy to let lending, is not regulated by the FCA.
16.2 When you submit an enquiry about a mortgage or loan, a soft credit search (also called a quotation search) will be carried out about you by either Money Saving Advisors Ltd or a Partner Firm. The search is made with one or more credit reference agencies, such as Experian, Equifax or TransUnion. It is used to understand your credit profile so your enquiry can be matched with a lender, broker or adviser whose criteria you are more likely to meet, and to reduce the chance of you making applications that are likely to be declined.
16.3 A soft credit search is recorded on your credit file but can only be seen by you. It is not visible to other lenders and does not affect your credit score. Where your enquiry is passed to more than one firm, you may see more than one soft search on your credit file.
16.4 The search uses the details you give us, such as your name, date of birth and address history. It may return information including your credit accounts and repayment history, any county court judgments or insolvency records, and whether you are on the electoral register.
16.5 A soft credit search is not a credit application and is not a lending decision. The results do not guarantee that any firm will offer you a product. If you choose to proceed with a firm, that firm will usually carry out a full (hard) credit search, which is visible to other lenders and may affect your credit score. That firm is responsible for telling you before it does this. Lenders may also check your information with fraud and money laundering prevention agencies and the electoral register.
16.6 Where we carry out the search, we do so on the basis of our legitimate interests in matching your enquiry to a suitable provider, as set out in our Privacy Policy. Before you submit an enquiry, you will be asked to confirm that you understand a soft credit search will be carried out. Where a Partner Firm carries out the search, it does so as a separate data controller under its own privacy notice, which it will provide to you. The Partner Firm your details are passed on to may use Valid8 IP Ltd to run the soft search. Valid8 IP Ltd uses your data only to obtain credit report information, as set out in its Privacy Policy. We will only share your details, and any search results, with Partner Firms where this is needed to deal with your enquiry. You can read how credit reference agencies use and share your data in the Credit Reference Agency Information Notice (CRAIN), linked from our Information Notice.
16.7 A soft credit search is a necessary part of our mortgage and loan service, and we cannot process a mortgage or loan enquiry without one. If you do not want a soft credit search to be carried out, please do not submit an enquiry. After submitting, you can object to any further processing of your information by emailing compliance@moneysavingadvisors.co.uk. We will then stop handling your enquiry and will not pass your details to any further Partner Firms. Any soft searches already carried out will remain on your credit file, but they are visible only to you.
16.8 Neither we nor our Partner Firms charge you for this search. You can check your own credit file at any time, free of charge, directly with the credit reference agencies.
16.9 Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Think carefully before securing other debts against your home.
This section applies to enquiries about life insurance, health insurance, income protection and business insurance.
17.1 We introduce you to authorised insurance advisers, brokers and insurers who can discuss your needs and arrange cover. We do not arrange or advise on insurance ourselves.
17.2 No credit search is carried out by us for these enquiries.
17.3 To match you with a suitable firm, we may ask questions about your health. We will only collect health information where you choose to give it to us and give your explicit consent, as explained in our Privacy Policy.
17.4 It is important that you answer all questions asked by the adviser or insurer fully and accurately. If you do not, your policy could be cancelled or a claim may not be paid.
This section applies to enquiries about pensions, pension transfers and pension drawdown.
18.1 We introduce you to FCA authorised financial advisers who can give you regulated pension advice. We do not give advice on pensions.
18.2 No credit search is carried out for these enquiries.
18.3 If you are aged 50 or over and have a defined contribution pension, you can get free, impartial guidance about your options from Pension Wise, a service from MoneyHelper, at www.moneyhelper.org.uk/pensionwise.
18.4 The value of pensions and the income they produce can go down as well as up, and you may get back less than you put in.
This section applies to enquiries about equity release, including lifetime mortgages and home reversion plans.
19.1 We introduce you to FCA authorised equity release advisers who can give you regulated advice. We do not give advice on equity release.
19.2 No credit search is carried out by us for these enquiries. Advisers and providers may carry out their own checks if you proceed.
19.3 Equity release is a lifetime commitment. It will reduce the value of your estate and may affect your entitlement to means-tested benefits. Your adviser will explain the features and risks and provide a personalised illustration before you make any decision.
This section applies to enquiries about wills, trusts, lasting powers of attorney and probate.
20.1 These services are not regulated by the FCA, and the Financial Ombudsman Service does not cover them. We introduce you to firms that provide these services. Some of these firms are solicitors regulated by the Solicitors Regulation Authority, and some are unregulated will writers. Ask the firm about its regulatory status before you instruct it.
20.2 No credit search is carried out for these enquiries.
20.3 Complaints about a firm should be made to that firm first. If the firm is regulated by a legal regulator, you may be able to refer an unresolved complaint to the Legal Ombudsman. The firm will tell you whether this applies.
This section applies to enquiries about conveyancing (including sales, purchases, remortgages and transfers of equity), lease extensions, freehold purchases, property surveys and valuations.
21.1 These services are not regulated by the FCA, and the Financial Ombudsman Service does not cover them. No credit search is carried out for these enquiries.
21.2 How we match you with firms. When you request a quote, we match your request with conveyancers or surveyors based on the service you need, the location of the property and, for conveyancing, your mortgage lender's panel. Your details may be shared with up to five firms, who may each contact you by phone, email or SMS about your quote. If you are buying or remortgaging with a mortgage, you should still confirm with your lender or mortgage broker that your chosen conveyancer is on the lender's panel before you instruct them.
21.3 Independent firms and your choice. Each conveyancer and surveyor we introduce you to is an independent firm, separate from us, and will give you its own independent advice. You are under no obligation to instruct any firm we introduce you to, and you are free to choose a different firm at any time.
21.4 Quotes are a guide. Any quote shown to you, including an instant quote, is calculated from each firm's own fees, which the firm sets and controls, and is based on the information you have given us. Quotes are as accurate as possible but are not binding. A firm may change its quote if the information you provided was incomplete or incorrect, or if the details of the transaction change. For example, this can happen if the property turns out to be leasehold, a new build, shared ownership, unregistered or Help to Buy, if you are using a gifted deposit, or if the price changes. The firm will confirm its final fees in writing, usually in its client care letter or terms of engagement, before it starts work.
21.5 What conveyancing quotes include. A conveyancing quote is made up of the firm's legal fee, VAT, and disbursements. Disbursements are costs the firm pays to third parties on your behalf, such as local authority and environmental searches, Land Registry fees, identity checks and bank transfer fees. Unless your quote says otherwise, disbursements are charged in addition to the legal fee and may change. Stamp Duty Land Tax, Land Transaction Tax and Land and Buildings Transaction Tax are taxes payable to the relevant tax authority and are not part of the firm's fees.
21.6 What survey quotes include. The price of a survey depends on the type of survey or valuation, and on the property's value, size, age, type and location. The surveyor will confirm the scope of the survey, what it will and will not cover, and the final fee before carrying it out. A survey you commission for your own purposes is separate from any valuation your mortgage lender carries out.
21.7 How we are paid. You do not pay us anything. The conveyancers and surveyors on our panel pay us a fee for each enquiry we pass to them, whether or not you instruct them. We charge each conveyancer a fee of up to £15 plus VAT for each enquiry we pass to them. Solicitors regulated by the Solicitors Regulation Authority (SRA) may enter into referral arrangements with introducers, provided those arrangements comply with the SRA Standards and Regulations, which include rules to protect your interests as a client. Money Saving Advisors Ltd has a formal referral agreement with each panel solicitor, made in accordance with paragraphs 5.1 to 5.3 of the SRA Code of Conduct for Solicitors (Referrals, introductions and separate businesses). Panel conveyancers regulated by the Council for Licensed Conveyancers have agreed with us that they comply with the CLC's Disclosure of Profits and Advantage Code, and panel firms regulated by CILEx Regulation follow its rules on referral arrangements. Panel solicitors practising in Scotland must comply with the Law Society of Scotland Practice Rules, and those practising in Northern Ireland must comply with the Solicitors' Practice Regulations of the Law Society of Northern Ireland. Each firm must tell you about any fee paid for your introduction and must act in your best interests.
21.8 Your contract is with the firm. Any contract for conveyancing or a survey is between you and the firm you instruct, under that firm's own terms. We are not a party to that contract and are not responsible for the advice or services the firm provides.
21.9 Complaints. Complaints about a conveyancer or surveyor should be made to that firm first. If a conveyancer is regulated by the Solicitors Regulation Authority, the Council for Licensed Conveyancers or CILEx Regulation, you may be able to refer an unresolved complaint to the Legal Ombudsman. Complaints about solicitors in Scotland can be referred to the Scottish Legal Complaints Commission, and complaints about solicitors in Northern Ireland to the Law Society of Northern Ireland. Surveyors regulated by RICS must have a complaints procedure that includes access to independent redress. Complaints about our own service should be made to us, as set out in Section 14.
21.10 Feedback. We may contact you after your enquiry to ask about your experience with the firm you chose and to invite you to leave a review. You do not have to take part. Section 11 explains how we may use any feedback you agree for us to publish.