Site Use Terms And Conditions


Please read the terms and conditions below :

The following are the general terms of use for this online mortgage origination portal. Instructions on how to use the site also form part of these terms. When you register with us to use the online application you will be deemed to have agreed to them. Should you fail to follow these terms, Landbay Partners Limited (we/us/our) reserves the right to withdraw your access to the on-line service, irrespective of any other action taken.

By registering for this facility, you agree:

  • To ensure that you always have your customers’ permission to make an enquiry/and or application on their behalf and to pass information to us, that your customers’ have given their consent prior to you submitting details to us and that we may undertake a credit search on any address your customers have provided.
  • To ensure that data collected in respect of any customer will not be used for any purpose other than that for which it was collected, unless the customer(s) permission is first obtained.
  • To advise all customers what will happen to their personal data.
  • That you have and will maintain all necessary permissions, qualifications, licences, consents or authorisations required to introduce customers to us and in particular required by the Financial Services and Markets Act 2000 and associated legislation.
  • To comply with all laws, regulations, orders, rules of and directions from the Financial Conduct Authority and any other enforcement authority or regulator of activities carried on by you as well as industry codes of practice applicable to the marketing, selling and/or variation of mortgages, insurance and related products in the United Kingdom.
  • To comply with the latest Money Laundering Regulations and the Joint Money Laundering Steering Group Guidance Notes for the UK Financial Sector (and all Directives, Regulations, Rules and Guidance Notes issued in substitution thereof or in amendment or addition thereto), you will verify and record the identity of all mortgage applicants before passing the applications to us.
  • To provide us with copies of any identification and verification data and other relevant documents used in the identification of the customer within a reasonable period when requested.
  • To ensure the customer receives all documentation required by laws and regulations applicable to the marketing, selling and/or variation of mortgages and related products in the United Kingdom.
  • To retain a copy of the customer’s file, including Proof of Income, for a minimum of 2 years from the completion date of the mortgage or for the period required by law.
  • To ensure that all information used within any application process is accurate and a true reflection of the customer's circumstances, and to keep that information up-to-date. To provide customers with a copy of information held on them, on request.
  • That should you become aware of the change to any information which may be material to the decision that we may make that you will advise us at once.
  • You acknowledge that any decision is not binding on either party until such time as a mortgage offer is made.
  • You understand that any information that you hold about us and how we use this site may be used for monitoring and management information purposes. You understand that any information that we hold about you will be kept after your relationship with us has ended.
  • You shall not use any of our trademarks or brands without our prior written consent.
  • You indemnify us in respect of any liability, losses damages or costs we may suffer or incur arising from breach of my warranties and/or obligations, imposed by these terms & conditions, or by reason of any misrepresentation or negligent, tortious or fraudulent act or default by you.
  • The online portal and/or tools within it may be unavailable or restricted for administrative reasons or any other reason and we will not be liable to you for any costs, claims, demands, losses or damages arising out of, or in connection with, your loss of access to or use of our online portal as a result.
  • We will not be liable to you for any costs, claims, demands, losses or damage caused as a result of, or in connection with, your use of our online portal.
  • We may, at our sole discretion, immediately and without notice, suspend, restrict or terminate your access to and use of all or any part of our online portal.
  • You will tell us as soon as reasonably practicable if you become aware of any defect in the online portal or if you are unable to access the online portal.
  • Your unique ID and password are provided for your sole use and must not be divulged to anyone else.
  • To confirm that you will observe the terms of your introducer agreement with us.
  • You acknowledge that we may pass customer details to selected third parties, who may contact them about their products or services. Customers can opt out from this referral service at any time by contacting us at 7th Floor, 60 Buckingham Palace Road, London, SW1W 0AH or via email at support@landbay.co.uk.
  • The Contracts (Rights of Third Parties) Act 1999 does not apply to these terms and you may not assign your rights or subcontract your obligations without our prior written consent.
  • These terms are governed by the laws of England and Wales and the courts of England will have exclusive jurisdiction to settle any claim or matter arising under or in relation to these terms.