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Terms of Use

Last updated: 18/09/2026

1. About these terms

These Terms of Use explain the rules that apply when you access or use the MOVA website at www.movamortgages.co.uk.

Please read these terms carefully before using the website.

By using the website, you agree to comply with these terms. If you do not agree with them, you should stop using the website.

These terms apply to use of the website itself. Separate terms, disclosures, agreements or regulatory documents may apply if you subsequently receive advice, use a particular service, make an application or enter into an arrangement with MOVA Mortgages Ltd or a third-party provider.

2. Who we are

MOVA Mortgages is a trading name of MOVA MORTGAGES LTD, a company registered in England and Wales.

Company number: 17325161
Registered office: 167–169 Great Portland Street, London, W1W 5PF, United Kingdom
Email: hello@movamortgages.co.uk
Phone: 0330 633 0379
Website: www.movamortgages.co.uk

MOVA Mortgages Ltd is an Appointed Representative of BrokerSync Ltd, which is authorised and regulated by the Financial Conduct Authority (1031981).

MOVA Mortgages Ltd FCA Register reference number: 1061296.

3. Our services

The MOVA website provides information relating to services including:

  • residential mortgages;
  • remortgages;
  • buy-to-let mortgages;
  • commercial mortgages and commercial finance;
  • protection insurance;
  • life cover;
  • critical illness cover;
  • income protection;
  • private medical insurance;
  • estate planning and related services; and
  • other associated property, protection and financial-service needs.

Not every service displayed on this website is necessarily provided directly by MOVA Mortgages Ltd.

Equity Release, Investments, Pensions, Wills, Trusts, PMI and Estate Planning will be referred to our authorised third-party providers. MOVA Mortgages Ltd and BrokerSync Ltd are not responsible for any advice received from the third-party providers.

The applicable provider, regulatory status and service arrangements should be explained to you before you proceed with a referred service.

4. Website information is general information only

Information provided on this website is for general information and educational purposes.

It does not take account of your individual circumstances and should not be treated as personalised:

  • mortgage advice;
  • insurance or protection advice;
  • investment advice;
  • commercial-finance advice;
  • legal advice;
  • tax advice;
  • medical advice; or
  • estate-planning advice.

Website content may include guides, articles, examples, calculators, quotation tools, product information, rates, illustrations and descriptions of services.

Unless we expressly tell you otherwise as part of a regulated advice process, this information does not constitute a personal recommendation.

You should not make an important financial or legal decision solely on the basis of general information displayed on the website.

Regulated mortgage communications and financial promotions must be fair, clear and not misleading, including avoiding wording that creates false expectations about product availability or cost.

5. No guarantee of eligibility, availability or outcome

Nothing on this website guarantees that:

  • you will qualify for a mortgage or other financial product;
  • an application will be accepted;
  • a particular lender or provider will consider your circumstances;
  • a particular interest rate or product will remain available;
  • an advertised or illustrated rate will be suitable for you;
  • you will receive a particular level of borrowing;
  • a transaction will complete within a particular timeframe; or
  • any particular financial outcome will be achieved.

Mortgage and finance availability depends on factors including your individual circumstances, affordability, lender criteria, property details, credit profile and prevailing product availability.

Products, criteria, interest rates and provider terms can change without notice.

6. Mortgage and protection advice

Where MOVA provides regulated mortgage or protection advice, personalised advice will only be given after sufficient information has been obtained about your circumstances, needs and objectives through the appropriate advice process.

The website itself does not replace that process.

Any recommendation will depend on:

  • the information you provide;
  • applicable lender or provider criteria;
  • product availability;
  • affordability and suitability considerations; and
  • applicable regulatory requirements.

You are responsible for providing complete and accurate information during the advice and application process.

7. Fees

There may be a fee for Mortgage Advice.

The precise amount will depend upon your circumstances and will be agreed upon following your initial meeting.

Details of any applicable advice fee will be explained before you choose to proceed with chargeable work.

Any separate costs charged by lenders, insurers, solicitors, surveyors or other third parties are subject to their own terms and will not necessarily be included in MOVA’s advice fee.

8. Mortgage calculators, quotation tools and illustrations

The website may contain calculators, quotation systems, affordability tools, mortgage-comparison tools and other interactive features.

Results produced by these tools are illustrative only unless expressly stated otherwise.

They may be based on assumptions or information supplied by you and should not be regarded as:

  • a mortgage offer;
  • a decision in principle;
  • confirmation of affordability;
  • confirmation of eligibility;
  • a personal recommendation; or
  • a guarantee that a lender or provider will offer the illustrated terms.

Actual borrowing, costs, rates and eligibility may differ.

Where a tool is supplied or operated by a third party, that provider’s own terms and privacy information may also apply.

9. Third-party services and referrals

The website may contain links to, integrate with or provide access to third-party services, including:

  • mortgage and finance providers;
  • insurers;
  • private medical insurance providers;
  • estate-planning providers;
  • conveyancers and solicitors;
  • booking systems;
  • mortgage quotation and comparison systems;
  • calculators;
  • CRM or customer portals;
  • external websites; and
  • other specialist service providers.

We take reasonable care when selecting organisations with which we work, but independent third parties are responsible for the products, advice or services they provide.

Their own terms, privacy policies and regulatory arrangements may apply.

A link or introduction does not necessarily mean that MOVA controls or guarantees the content, availability or performance of the third party’s service.

10. Website availability and accuracy

We aim to keep information on the website accurate and reasonably up to date.

However, mortgage products, lender criteria, rates, tax rules, regulatory requirements and other information can change frequently.

We do not guarantee that every item of general website content will always be complete, current or free from error.

We may:

  • update website content;
  • change functionality;
  • remove or add services;
  • suspend parts of the website; or
  • withdraw the website,

where reasonably necessary.

We do not guarantee uninterrupted availability.

11. Acceptable use

You must not knowingly use the website:

  • for unlawful or fraudulent purposes;
  • to introduce malicious software or harmful code;
  • to attempt unauthorised access to the website, server or connected systems;
  • to interfere with the operation or security of the website;
  • to misuse forms, quotation tools or other functionality;
  • to submit information that you know to be false or misleading;
  • to infringe another person’s rights; or
  • to reproduce or exploit the website in an unauthorised commercial manner.

12. Information you provide

Where you submit information through:

  • enquiry forms;
  • booking systems;
  • calculators;
  • quotation tools;
  • application journeys; or
  • other website functionality,

you are responsible for taking reasonable care to ensure that the information is accurate, complete and not misleading.

The accuracy of information you provide may affect the accuracy of any calculation, illustration, quotation, assessment or subsequent advice.

Our handling of personal information is explained in our Privacy Policy.

13. Intellectual property

Unless stated otherwise, intellectual-property rights in the MOVA website and its original content, design, branding and materials are owned by or licensed to MOVA Mortgages Ltd.

You may view, download or print reasonable extracts for your personal, non-commercial use.

You must not, without appropriate permission:

  • reproduce substantial website content;
  • republish it commercially;
  • modify or redistribute it;
  • use MOVA branding or logos;
  • copy website code or design elements; or
  • represent MOVA content as your own.

Third-party tools, logos, data or content remain subject to the intellectual-property rights of their respective owners.

14. Privacy and cookies

Use of personal information is governed by our Privacy Policy.

Our use of cookies and similar technologies is explained in our Cookie Policy.

Where optional cookies or technologies require consent, your choices can be managed through the cookie controls provided on the website.

15. Liability

Nothing in these Terms of Use excludes or restricts liability where it would be unlawful to do so.

In particular, nothing in these terms excludes liability for:

  • death or personal injury caused by negligence;
  • fraud or fraudulent misrepresentation; or
  • any other liability that cannot lawfully be excluded.

Nothing in these terms limits your statutory rights as a consumer.

The Consumer Rights Act 2015 provides that unfair consumer terms or notices are not binding on consumers, so website liability wording needs to remain fair rather than attempt to exclude every possible responsibility.

Subject to those protections, MOVA Mortgages Ltd is not responsible for losses caused solely by:

  • relying on general website information as though it were personalised advice;
  • information or services supplied independently by third parties;
  • events outside our reasonable control; or
  • your use of the website contrary to these terms.

Nothing in this section excludes or limits any duties or liabilities arising from regulated advice or services where those duties cannot lawfully be excluded.

16. Important mortgage and finance warnings

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Conveyancing, Wills, and some forms of Buy-to-Let Mortgages and Commercial Mortgages are not regulated by the Financial Conduct Authority.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured against it.

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.