On this page
1. Who we are
This website is operated by Make Mortgages Easy Ltd, registered in England & Wales, company number 14018724. Registered office: 4 Kentmere Drive, Wirral, CH61 5XL. We trade from 22 Thingwall Road, Irby, Wirral, CH61 3UE.
Make Mortgages Easy Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority.
By using this website you accept these terms. If you don't accept them, please don't use the site.
2. Nothing here is advice
Nothing on this website is personal financial advice. The pages here explain how mortgages and protection generally work, and what we do. They are not a recommendation, and they are not tailored to you.
Advice is only given after we have discussed your circumstances with you directly, and it is confirmed to you in writing. Please don't make a decision about borrowing or insurance on the strength of a web page, including ours.
Figures, examples and timescales on this site are illustrative. Your own position will depend on your income, your credit history, the property, the lender and the market at the time.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
3. Who this website is for
The guidance and advice on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. We do not advise on mortgages or protection outside the UK, and nothing here is an offer or invitation to anyone in a country where we are not permitted to operate.
4. What is and isn't regulated
The Financial Conduct Authority does not regulate some forms of mortgage. In particular, most buy-to-let lending is not regulated, and some commercial and specialist lending falls outside the regulated regime. Where that applies to something we discuss with you, we will tell you.
We are not tax advisers, solicitors or accountants. Where a question is really about tax, conveyancing or company structure, we will say so and suggest you take advice from the right professional. We are happy to work alongside yours.
5. Accuracy of what you read here
We take care to keep this website accurate and up to date, but the mortgage market moves quickly. Lender criteria, rates, tax rules and regulatory requirements change, sometimes at short notice, and a page may not have caught up.
Please treat everything here as a general guide rather than a current statement of what any particular lender will do today. If something matters to your decision, ask us.
6. Our content belongs to us
All copyright, trade marks and other intellectual property rights in this website and its content belong to Make Mortgages Easy Ltd or our licensors. Our name, our logo and our brand are ours.
You're welcome to read the site, print a page for your own use, and share a link to it. You must not, without our written permission:
- Republish our content elsewhere, in print or online
- Sell, rent or sub-licence any of it
- Copy, reproduce or adapt it to create something of your own
- Redistribute it, including by scraping it or feeding it into another service
- Use our name, logo or brand in a way that suggests we endorse you
Photographs of clients and their homes appear on this site with their permission. Please don't reuse them.
7. Using the site properly
Please don't use this website in a way that is unlawful, or that damages it or spoils it for anyone else. In particular, don't attempt to gain unauthorised access to any part of it, introduce anything malicious, or submit information through our forms that isn't yours to submit.
When you fill in a form on this site, you confirm the information you give us is accurate and that you're entitled to provide it. If you're giving us details about somebody else, such as a joint applicant, please make sure they know.
8. Links to other websites
Where we link to another website, it's because we think it's useful. We don't control those sites and we're not responsible for their content, their security or how they handle your information.
Some pages here contain content embedded from other companies, such as our booking calendar and our Google reviews. Those services operate under their own terms and privacy notices.
9. Availability
We'd like the site to be available all the time, but we can't promise it. It may be unavailable for maintenance, or because something has gone wrong, and we may change or withdraw any part of it without notice.
If you need to reach us and the site is down, ring 0151 388 0015.
10. Our responsibility to you
We are responsible for the advice we give you as your adviser, and that responsibility sits with us and with Stonebridge Mortgage Solutions Limited as our principal firm. These website terms do not limit that in any way.
What these terms do address is the website itself. To the extent the law allows, we are not liable for any loss arising from your use of this website, or from relying on general information here rather than on advice given to you personally.
Nothing in these terms limits or excludes our liability where the law does not permit it. That includes liability for death or personal injury caused by negligence, for fraud, and any liability that cannot lawfully be limited. If you're a consumer, nothing here affects your statutory rights.
11. Your information
How we handle personal information is set out in our privacy policy, and how we use cookies is in our cookie policy. Both form part of these terms.
12. Complaints
If you're unhappy with our service or our advice, please tell us, and see our complaints page for the full route, including how to go to Stonebridge and the Financial Ombudsman Service.
If your concern is about how we've handled your personal information, our privacy policy explains that route, including your right to complain to the Information Commissioner's Office.
13. Governing law
These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction over any dispute. If you live in Scotland or Northern Ireland, you may also bring proceedings in your own courts.
14. Changes to these terms
We may update these terms from time to time. The version on this page is the one that applies.
Last updated: September 2026