Website Terms and Conditions
Capricorn Financial Mortgages
Last updated: June 2026
1. About These Terms
These Website Terms and Conditions (“Terms”) govern your access to and use of the website capricornfinancialmortgages.co.uk (“our website”), operated by Capricorn Financial Mortgages Limited (“we”, “us”, “our”).
Capricorn Financial Mortgages Limited is a company registered in England and Wales under company number 05904006. Our registered office is 57a Broadway, Leigh-On-Sea, Essex, SS9 1PE. Our trading address is 1 Queen Caroline Street, Hammersmith, London, W6 9YN.
Capricorn Financial Mortgages Limited is an Appointed Representative of Sesame Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 122171).
By accessing or using our website, you confirm that you accept these Terms and agree to comply with them. If you do not agree to these Terms, please do not use our website.
These Terms should be read alongside our Privacy Notice and Cookies Policy, which are incorporated by reference and available on our website.
2. Changes to These Terms
We may update these Terms from time to time to reflect changes in our services, applicable law, or regulatory requirements.
Revised Terms will be posted on our website with an updated date. Your continued use of our website after any changes constitutes acceptance of the updated Terms. We recommend reviewing these Terms each time you visit our website.
3. About Our Services
Our website provides information about mortgage and protection brokerage services offered by Capricorn Financial Mortgages. The services described on our website include, but are not limited to:
- Residential mortgages, including property purchase, first-time buyer, moving home, remortgaging, and new build mortgages
- Buy-to-let mortgages, including individual buy-to-let, portfolio landlord, limited company buy-to-let, and buy-to-let remortgaging
- Specialist lending, including large and high-value mortgages, self-build mortgages, expat mortgages, private client mortgages, and later life lending
- Protection products, including mortgage protection, life insurance, income protection, critical illness cover, home and contents insurance, and business protection
We are a credit broker and not a lender. We source mortgage products from a broad panel of lenders and may receive commission for introducing clients. Full details of any commission will be disclosed to you during your customer journey.
4. Important Regulatory Disclosures
The following disclosures are required by the Financial Conduct Authority and apply to users of our website:
Your home may be repossessed if you do not keep up repayments on your mortgage.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
The FCA does not regulate some forms of bridging finance.
Not all products or services described on our website are regulated by the Financial Conduct Authority.
If you are experiencing financial difficulty and struggling to make repayments, you can contact your lender who may be able to help. You may also wish to contact a free, impartial money guidance or debt advice service, such as StepChange (www.stepchange.org), Citizens Advice (www.citizensadvice.org.uk), or Turn2Us (www.turn2us.org.uk).
5. Information on Our Website
We take reasonable care to ensure that information on our website is accurate and current at the time of publication. However:
- Content is provided for general information purposes only and does not constitute financial, mortgage, legal, tax, or professional advice
- We make no representations or warranties, express or implied, as to the completeness, accuracy, or fitness for purpose of any content
- Mortgage rates, product availability, and lending criteria are subject to change and may differ from those displayed at the time you seek advice
- Content may be updated or removed at any time without notice
- Past performance information does not guarantee future results
You should seek independent professional advice tailored to your personal circumstances before making any financial decision.
6. Intellectual Property
All content on our website — including text, images, graphics, logos, adviser profiles, photographs, and underlying code — is owned by or licensed to us and is protected by copyright and other intellectual property rights.
You may:
- Access and view content for your own personal, non-commercial use
- Share links to pages on our website
You may not, without our prior written consent:
- Copy, reproduce, republish, transmit, or distribute any content from our website
- Use our brand name, logos, or trademarks
- Systematically extract, scrape, or data-mine content from our website
- Create derivative works based on content from our website
7. Acceptable Use
You agree to use our website only for lawful purposes and in a way that does not infringe the rights of others.
You agree not to:
- Use our website in breach of any applicable local, national, or international laws or regulations
- Introduce or transmit any malware, virus, worm, Trojan horse, or other harmful or disruptive code
- Attempt to gain unauthorised access to any part of our website, servers, or connected systems
- Conduct automated scraping, crawling, or systematic data extraction
- Send unsolicited commercial communications through our contact forms or enquiry channels
- Disrupt, impair, or interfere with the operation of our website
We reserve the right to restrict or suspend access to our website for any user in breach of these Terms.
8. Enquiries and Contact Forms
When you submit an enquiry through our website, you agree to provide accurate, complete, and up-to-date information.
Submitting an enquiry does not create a client relationship or constitute financial advice.
A formal client relationship is established only once onboarding procedures have been completed and a written client agreement has been entered into.
Information submitted through our website will be handled in accordance with our Privacy Notice.
9. Third-Party Content and Links
Our website may contain links to third-party websites, including lender websites, government guidance portals, and debt advice services.
These links are provided for convenience only. We do not control, endorse, or accept responsibility for third-party content, privacy practices, or terms.
You access third-party websites at your own risk.
References to third parties do not constitute endorsement unless explicitly stated.
10. Disclaimer of Warranties and Limitation of Liability
To the fullest extent permitted by applicable law:
- Our website is provided on an “as is” and “as available” basis without warranties of any kind, express or implied
- We do not guarantee that our website will be uninterrupted, error-free, secure, or free from viruses or other harmful components
- We will not be liable for any loss or damage — direct, indirect, incidental, consequential, or otherwise — arising from use of our website
- We will not be liable for losses arising from reliance on website content without independent professional advice
Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded under law.
11. Regulatory Information
Capricorn Financial Mortgages Limited is an Appointed Representative of Sesame Ltd, authorised and regulated by the Financial Conduct Authority (FRN 122171).
Company number: 05904006. Registered office: 57a Broadway, Leigh-On-Sea, Essex, SS9 1PE. Trading address: 1 Queen Caroline Street, Hammersmith, London, W6 9YN.
FCA Register: register.fca.org.uk
12. Governing Law and Jurisdiction
These Terms and any disputes arising in connection with them are governed by the law of England and Wales.
You agree to submit to the exclusive jurisdiction of the courts of England and Wales.
13. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
14. Contact Us
If you have any questions about these Terms, please contact us:
- Email: advice@capricornfinancialmortgages.co.uk
- Telephone: +44 203 111 0900
- Post: 1 Queen Caroline Street, Hammersmith, London, W6 9YN