These terms were last updated in April 2023.
Welcome to Meet Margo. Meet Margo is a mobile application (our “app”) and website available at https://www.meetmargo.uk/ (our “website”) which amongst other things, compares financial products including mortgages and other services that may be available to you depending upon your circumstances. These are our “mortgage services”.
So it doesn’t get confusing, when we use the term “our services”, this is a catch all for use of our app, our website, our mortgage services and our protection services (explained later).
We are Meet Margo Ltd, a company registered in England and Wales. Our company number is 13887760 and our registered office is 5 Merchant Square, London W2 1AY (“we”, “us” or “our”). We own and operate the app, the website and the mortgage services.
We’re an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority under reference number 187834. Our firm reference number is 985789.
If you need us, email us at email@example.com or use the chat function in our app.
We’re driven by one goal – to make the mortgage process as easy as humanly possible. We can help you if you are looking for a residential mortgage (available via our app) or personal and business protection (available by emailing us at firstname.lastname@example.org). If you’re looking for a buy to let mortgage, we can facilitate this – just reach out to us by email to email@example.com.
You need to be at least 18 years old, capable of entering into a legal contract, and a UK resident with a UK bank account – simple!
One important thing to note is that we don’t offer advice about second-charge mortgages or loans, commercial lending, or unsecured lending. If you need these types of loans, let us know and we can refer you to a trusted partner that may be able to help.
If we are recommending a buy to let mortgage for you, it is important to understand that not all buy to let mortgages are regulated by the FCA. We’ll let you know if any product we are recommending is not regulated by the FCA.
We’ve created our mortgage services as a one-stop shop, enabling you to:
You’ll then need to create a free account on our app using an email and password or a magic link, or by using Apple, Google or Facebook. If you use a password, keep it safe and don’t share it with anyone else, and you’re responsible for all activity on your account (to be careful!) If you ever discover or suspect that someone else has your login details, make sure you change them pronto and let us know by emailing firstname.lastname@example.org.
We can temporarily suspend or permanently disable your account if you use our services for anything unlawful or fraudulent or if you breach these terms in any way.
Our services are completely free as lenders pay us commission based on a percentage of your mortgage once the mortgage application has been completed. That percentage is marginally the same with every lender. The ESIS document you’ll receive from the lender will tell you exactly how much commission we’ll be paid for your mortgage when it completes.
Different lenders may charge varying product fees for specific mortgage deals. We’ll provide you with a breakdown of all the fees and costs associated with your mortgage before you proceed, so you can make an informed decision about your options.
Things change, so if we do charge for our services, we’ll notify you by detailing this on our app and our website.
We offer a comprehensive range of first-charge mortgages from across a panel of over 70 lenders, including deals only brokers can access. This doesn’t include deals only available by applying to a lender directly. If we find that your mortgage is best placed with one of those lenders, we’ll tell you so you can go direct – because we have your back like that.
When you take out a mortgage with any of the lenders we work with, you’ll be required to agree to their own specific terms and conditions. As such, we cannot be held responsible for the operations and policies of these lenders.
We’re committed to finding you the right mortgage for your needs, regardless of who the lender is.
Once you have an account, you’ll be asked to provide full information about yourself, any co-borrower and your circumstances. If you abandon this process, we’ll send you a few friendly reminders. We can then use that information to search the market for products.
Once you’ve found a deal you’re interested in, you will be taken to our credit reference agency partner to complete a digital identification and authentication check. This will only take a few minutes to complete and will not impact your credit score.
Once your verification is complete, you will be directed to schedule a call with a broker to finalise your application. It is at this point our broker will provide mortgage advice based on the information you have given us about you, your circumstances and your personal preferences. Any information you give us needs to be complete, accurate, up to date and (most importantly) honest. Let us know if your circumstances change so we can update your lender. It’s possible that the recommendations might then change.
The documents relating to your mortgage will be saved in your personal vault. You should read these carefully and if you have any questions, you can ask your broker within the in-app chat function.
When you’re ready to proceed with your mortgage deal, you can let us know through the app and we’ll be there to keep you updated every step of the way. You’ll have access to a live timeline of your application progress and our team is available on chat if you need us. By using our services, you’re giving us the go-ahead to communicate with mortgage lenders and other third parties on your behalf as part of the application process.
We’ll make sure to keep you informed of all the costs and fees before you finalise your mortgage deal so that you can choose the option that’s best for you. Our team will be with you throughout the process, providing updates via the app or email as needed until your mortgage is complete.
While we’ll always strive to match you with a lender that’s suitable for your circumstances, we can never guarantee that your application will be approved by the lender. Every lender has their own lending criteria, which means they may choose to withdraw your mortgage offer, and unfortunately, this is out of our control.
We approach home finance holistically and as part of your experience with us, we’ll also review your personal, and home insurance policies to make sure you’re not paying more than you should. This is referred to as “our protection services”.
You can schedule a call with our protection specialists at any time of your Meet Margo journey. We offer protection insurance from a panel of 15 insurers for the following insurance products: term assurance, family income benefit, non-investment whole-of-life assurance, critical illness insurance, income protection insurance, private medical insurance and insurance-related products for properties and their contents. The range of insurers is based on a fair analysis of the relevant market. We’ll need to know various bits of information about your lifestyle and hobbies, and medical information. You can refuse to provide us with this information, but it will mean that we are unable to recommend you to our panel.
When we’re recommending buildings or contents insurance, we work with several home insurers, including Uinsure.
As with our mortgage services, we don’t charge you for our protection services as we’re paid commission by the insurer for arranging the policy.
We always aim to provide you with the best possible service and support during your mortgage application process. However, there may be times when we are unable to proceed with your application. We understand that this can be disappointing, so we promise to let you know as soon as possible if this happens. These reasons might be:
We know that finding the right mortgage is important to you, and we’re committed to helping you every step of the way. So if we’re unable to proceed with your application, we’ll work with you to find other options that might suit your needs.
The mortgage process is obligation free, until the point where you have fully committed to your mortgage, such as by exchanging contracts on a purchase or your conveyancer has received the loan from the lender. If you want to cancel, let us know straight away.
It is our goal to provide customers with the best service, but we know that sometimes things don’t go according to plan. If you’re not happy with our service or you have a complaint, please contact us.
By reaching out to us and providing your feedback, this helps us understand what has gone wrong so we can have an opportunity to make it right, or so we can improve services.
If you have a complaint about your broker or the mortgage advice, they have provided you, please contacts us:
If your complaint can’t be settled between you and us, you may be entitled to refer it to the Financial Ombudsman Service (FOS). You can find more information on the FOS by visiting their website at https://www.financial-ombudsman.org.uk/ or:
You can find out more about your rights and what to do if you have a complaint here.
Updates: We might from time to time automatically update the app to improve performance, enhance functionality, reflect changes to the operating system or deal with security issues. You might be asked to update the app for these reasons, and if you choose not to you may not be able to continue using our app.
Intellectual property rights: We own (or have licensed from others) all intellectual property rights such as copyrights, trademarks, and trade secrets. You’re not allowed to use, copy, or reproduce, license, lease, alter, modify, disassemble, reserve engineer, or create a derivative version of our intellectual property without our prior written consent. By using the app or website, you don’t get any rights or licenses to our app, our website, our any content, except for the limited right to use the app and website in accordance with these terms. If you have infringed our intellectual property rights, we can take legal action against you.
Computer misuse: When using our app and website, you’re not allowed to text or data mine, or web scrape. This means you shouldn’t use any automated tools or programs to access or copy any part of our app or website, or any data, content, information, or services accessed through our app or website. Additionally, please don’t use our app or website in any illegal or malicious manner, or attempt to collect any information or data from our systems. We reserve the right to take action against any such activity.
Reliance: Any information on our website is provided for information purposes only and so you should speak to one of our brokers before relying on it.
Liability: Our app and website are provided to you ‘as is’ and without any warranty of any kind. We disclaim all warranties regarding our services as far as is allowed by law, whether express or implied, including any and all implied warranties of merchantability, accuracy, results of use, reliability, fitness for a particular purpose, title, interference with quiet enjoyment, and non-infringement of third-party rights. In particular, we don’t guarantee that our services will be uninterrupted or error free. We’re not liable for any downtime or where our app or website is unavailable to you. We don’t exclude or limit in any way our liability to you where it would be unlawful to do so. Nothing in these terms limits our liability for death or personal injury arising from our negligence, or for fraud, or for anything else which can’t be limited or excluded by law.
Our services are for private use and for not any commercial or business use, unless we otherwise provide our prior written agreement and in which case, we won’t have any liability to you for any loss of profits, loss of business or loss of business opportunity, or for any business interruption.
We’re not liable to you in contract, tort (including negligence), pre-contract or other representations (other than fraudulent misrepresentations) or otherwise to you or any third party for any loss or damage whatsoever or howsoever caused arising directly or indirectly in connection with your use of our services. In particular, we exclude legal responsibility for any indirect, special or consequential loss or damage. Our legal responsibility to you under these terms is limited to directly foreseeable loss.
Indemnification: When using our services, you agree to protect, indemnify and hold us harmless from any liabilities and expenses, such as claims, damages, legal fees, and costs. This includes anything related to the sale or use of our app and website, except if it results from a breach of our terms or our own misconduct. By using our services, you release us from any legal actions or claims that may arise from your use of our services.
Termination: If you break these terms, we can terminate them by letting you know in writing. If we do, you must stop using our app and website right away. All the rights and permissions we’ve given you will end.
Links from our app or website: We provide links to other websites for information only and don’t control or take responsibility for them.
Changes to these terms: We reserve the right to update these terms from time to time, so please check back regularly.
Entire agreement. These terms contain the entire agreement between you and us.
Third party rights: No one other than you or us has any rights under these terms.
Applicable Law: We’ll follow the laws of England and Wales for these terms and any related legal obligations. If there are any disagreements or claims related to these terms, they’ll be handled exclusively in English and Welsh courts.
Your Property may be repossessed if you do not keep up repayments on your mortgage.
Meet Margo’s advice and guidance are completely free for customers to access because we are paid a procuration fee from the lender.
If you are unhappy then we want to hear about it so we can try to put things right. With this in mind, we have the following complaints procedure in place. View here.
© 2022 Meet Margo.
Registered in England & Wales. Company number 13887760.
Registered address: 5 Merchant Square, London W21AY.
Meet Margo is a trading name of Meet Margo Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.
The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.