Terms & Conditions

1. Acceptance of Terms

By accessing or using our website www.themortgagehouse.ae or engaging with The Mortgage House Advisory (“The Mortgage House”, “we”, “us”, or “our”), you confirm that you have read, understood, and agree to be bound by these Terms & Conditions, together with our Privacy Policy.

If you use our services on behalf of another person or entity, you represent that you are authorised to do so and that they also agree to these Terms.

2. About Our Services

The Mortgage House Advisory is a mortgage advisory firm based in Dubai, United Arab Emirates. We provide:

• mortgage consultancy and guidance,
• product and rate comparisons across multiple UAE banks and financial institutions, and
• assistance with applications and documentation for mortgage and related financial products.

We are not a lender and we do not provide funding directly. All mortgage products and financing solutions are issued by third-party banks and financial institutions.

All approvals, interest rates, loan amounts, and terms are subject to each bank’s eligibility criteria, verification of your information and documents, and the bank’s internal approval processes and policies. We do not guarantee that any application will be approved or that any specific rate or offer will be available.

3. Website Use and Content

Our website and its content are provided for general information and marketing purposes only. Mortgage products, rates, and bank policies can change at any time.

By using our website, you agree that you will not:

• attempt to gain unauthorised access to our systems, servers, or data,
• use our website in any way that may damage, disable, or impair it,
• copy, reproduce, distribute, or exploit our content for commercial purposes without our written consent, or
• introduce any malicious code, such as viruses, malware, or harmful scripts.

We reserve the right to update, change, or remove any content on the website at any time without notice.

4. No Financial, Legal, or Tax Advice

Information on our website or provided by our team (including calls, messages, emails, and meetings) is intended for general guidance only. It should not be treated as legal, tax, investment, or personalised financial advice.

You are strongly encouraged to consult with a qualified financial advisor, legal professional, and/or tax advisor before making any final financial or property-related decisions.

5. Eligibility to Use Our Services

To use our mortgage advisory services, you must:

• be at least 18 years old,
• be legally capable of entering into binding financial agreements, and
• provide accurate, complete, and truthful information and documents.

If you provide false, incomplete, or misleading information, we may refuse or discontinue our services to you and withdraw any recommendations or support. Banks and financial institutions may also reject or cancel applications if information is found to be inaccurate or misleading.

6. Your Responsibilities

When using our website or services, you agree that you will:

• provide true, accurate, and complete information at all times,
• promptly update us if any of your details or circumstances change,
• only upload or submit documents that you are authorised to provide, and
• comply with all applicable laws and regulations in the UAE.

You agree that you will not:

• misuse our website or services in any unlawful or fraudulent way,
• impersonate any person or entity or misrepresent your relationship with them, or
• use our content, branding, or materials without permission.

7. Third-Party Banks and Financial Institutions

We work independently with multiple banks and financial institutions in the UAE to source mortgage options for you. However, each bank is solely responsible for its own products, rates, terms, and internal processes.

Final decisions relating to approval, interest rates, tenure, fees, and conditions are fully at the bank’s discretion.

We are not responsible for:

• bank processing times or delays,
• changes in bank policies or interest rates,
• approval or rejection of your application, or
• any actions or omissions of third-party banks and their employees.

Any illustrative figures, indicative rates, or sample scenarios we share are estimates only and do not constitute binding offers.

8. Charges and Fees

Any advisory, processing, or service fees charged by The Mortgage House will be clearly communicated to you in writing and agreed with you before engagement or proceeding with any application.

Banks and financial institutions may charge their own fees, including but not limited to:

• processing or application fees,
• property valuation fees,
• early settlement or early redemption fees,
• re-scheduling or restructuring fees, and
• administration or documentation fees.

These fees are determined and controlled by the bank and may change without prior notice. You are responsible for reviewing and understanding the bank’s fee schedule and terms before signing any agreement.

9. Accuracy of Information and No Guarantee

We make reasonable efforts to provide up-to-date information on mortgage products, but some details such as interest rates, eligibility criteria, product features, and promotions are provided by third-party banks and may change at any time.

We do not guarantee that:

• any information on our website is error-free, complete, or current,
• any particular product, rate, or offer will be available to you, or
• you will be approved for any loan or mortgage.

You acknowledge that final terms and conditions of any mortgage will be set out in the bank’s own documentation.

10. Privacy and Data Protection

Your personal information is collected, stored, and used in accordance with our Privacy Policy. By using our website and services, you consent to the collection of your personal and financial information and the sharing of such information with partner banks and relevant third parties solely for the purpose of assessing and processing your mortgage or finance application.

We do not sell your data. We take reasonable steps to protect your information, but we cannot guarantee absolute security of data transmitted over the internet.

11. Intellectual Property Rights

All content on this website, including text, graphics, images, layout, design, logos, and branding, is the property of The Mortgage House Advisory (or used under license) and is protected by applicable copyright, trademark, and intellectual property laws.

You may:

• view and print pages from the website for personal, non-commercial use only.

You may not:

• copy, reproduce, modify, distribute, or exploit any content for commercial purposes without our prior written consent.

12. Limitation of Liability

To the maximum extent permitted by law, The Mortgage House Advisory and its employees, partners, and representatives shall not be liable for any:

• direct or indirect financial losses,
• loss of profit, business, or opportunity,
• application rejections,
• delays in processing by banks or third parties, or
• incidental, consequential, or special damages,

arising out of or related to your use of our website, your reliance on any information we provide, or your use of our advisory services.

You understand and agree that you use our website and services at your own risk.

13. Indemnification

You agree to indemnify and hold harmless The Mortgage House Advisory, its directors, employees, and partners from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or related to your use of our website or services, your breach of these Terms, or your violation of any law or third-party rights.

14. Modifications to Website and Terms

We may update, change, or discontinue any part of our website or services at any time without notice.

We also reserve the right to update or modify these Terms & Conditions from time to time. When changes are made, the “Last updated” date at the top of this page will be revised and the updated Terms will take effect immediately upon being posted on this page.

Your continued use of our website or services after changes are posted constitutes acceptance of the updated Terms.

15. Governing Law and Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of the United Arab Emirates.

Any dispute arising out of or in connection with these Terms, our website, or our services shall be subject to the exclusive jurisdiction of the courts of the United Arab Emirates.

16. Contact Information

If you have any questions or concerns regarding these Terms & Conditions, please contact us:

Office Address: Dubai, United Arab Emirates
Phone / WhatsApp: +971 56 924 5125
Email: info@themortgagehouse.ae
Website: www.themortgagehouse.ae