Terms of Use

These terms govern your use of this website. They don’t form part of any regulated advice agreement — that’s set out separately in our Terms of Business, which your adviser will provide.

Mortgage Passport

The Mortgage Passport is an initial readiness assessment based on information you provide. It is not a mortgage offer, a lender Agreement in Principle or a guarantee that any mortgage will be available. Estimates depend entirely on the accuracy of the information you supply and are not a substitute for full underwriting by a lender.

Ask Lockhart Murphy

Our digital assistant provides general information and helps direct you to the right next step. It does not provide personalised financial advice or a regulated recommendation — for that, you’ll be connected with a qualified adviser.

No liability for reliance on general content

Content on this site (including calculators) is for general information only and shouldn’t be relied on as personal advice. [COMPLIANCE REVIEW REQUIRED: insert the firm’s approved liability/limitation wording.]

Regulatory status

[COMPLIANCE REVIEW REQUIRED: insert the firm’s approved FCA authorisation statement, FRN and registered company details — do not invent these.]