Terms & Conditions
Last updated: August 2026
1. Introduction
These terms and conditions govern your use of the Apply Wise website and services. By accessing our website or using our services, you agree to be bound by these terms.
Apply Wise Financial Ltd is registered in England and Wales (Company Number: 16846104), registered office 4 Fiddlers Hamlet, Epping, Essex, CM16 7PY.
Apply Wise Financial Ltd is an Appointed Representative of Scott & Goose LLP, which is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number 661183.
2. Our Services
Apply Wise provides mortgage broking services, helping customers find and apply for mortgage products that suit their needs. Our services include:
- Mortgage advice and recommendations
- Comparison of mortgage products from multiple lenders
- Assistance with mortgage applications
- Information and educational content about mortgages
3. Eligibility
To use our services, you must be at least 18 years old and a UK resident. You must provide accurate and complete information when using our services.
4. Our Advice
When we provide mortgage advice, we will assess your needs and circumstances and recommend products that are suitable for you. However, you are responsible for ensuring that any mortgage you apply for is affordable and appropriate for your situation.
We do not provide advice on matters outside our regulatory permissions, including tax advice, legal advice, or investment advice.
5. Fees and Charges
We do not charge a fee for our initial consultation or mortgage recommendation service. We receive commission from lenders when a mortgage application is completed successfully.
For certain Buy-to-Let applications, we may charge an arrangement fee. This will be clearly disclosed to you before you proceed.
6. Your Responsibilities
You agree to:
- Provide accurate and truthful information
- Inform us of any changes to your circumstances
- Read and understand any documents before signing
- Make mortgage payments on time
7. Intellectual Property
All content on this website, including text, images, logos, and software, is the property of Apply Wise Financial Ltd or our licensors and is protected by copyright law.
8. Limitation of Liability
While we take reasonable care in providing our services, we cannot guarantee the accuracy of information provided by third parties, including lenders. We are not liable for any loss arising from your reliance on such information.
9. Complaints
If you are unhappy with our services, please contact us at info@apply-wise.co.uk. Complaints are handled by our principal firm: Ian Scott, Scott & Goose LLP, Brickfield House, High Road, Thornwood, Epping, Essex, CM16 6TH. Telephone 01992 563644.
We have a formal complaints procedure and will respond within 8 weeks. If you remain dissatisfied, you may be able to refer your complaint to the Financial Ombudsman Service at www.financial-ombudsman.org.uk.
10. Changes to These Terms
We may update these terms from time to time. The current version will always be available on our website. Continued use of our services after changes constitutes acceptance of the new terms.
11. Contact Us
If you have any questions about these terms, please contact us at:
Apply Wise Financial Ltd
4 Fiddlers Hamlet
Epping, CM16 7PY
Email: info@apply-wise.co.uk
Your home may be repossessed if you do not keep up repayments on your mortgage.