Terms & Conditions

1. About Us

Bell Financial Solutions Ltd (“Bell FS”, “we”, “us”, “our”) is a whole-of-market mortgage brokerage registered in England and Wales (CompanyNo. 11694583). We are authorised and regulated by the Financial Conduct Authority as an Appointed Representative of HLPartnership Limited (FCA No: 303397). Our FCA reference number is 829915.

2. Our Services

We provide whole-of-market mortgage and protection advice,including:

•      Residential mortgages

•      Buy-to-let mortgages

•      Remortgages

•      Protection and insurance advice

•      Mortgage Capacity Report Letters for court and divorceproceedings

•      Referrals to specialist third-party partners

Our services are provided to clients based in the United Kingdom. We do not provide legal, tax, or investment advice. Where appropriate,we will refer you to a suitably qualified professional.

3. Your Responsibilities

To enable us to provide appropriate advice, you agree to:

•      Provide accurate, complete, and up-to-date informationwhen requested

•      Notify us promptly of any changes in your circumstances

•      Review all documents provided to you carefully andraise any queries before proceeding

•      Not provide false or misleading information to us, anylender, or insurer

We accept no liability for any detriment arising frominaccurate or incomplete information provided by you.

4. Suitability and Advice

All mortgage and protection advice is based on your individual circumstances as disclosed to us. Our recommendations will be set out in a written Suitability Report. You should read this carefully before proceeding.

Mortgage products are not guaranteed until a formal offer is issued by the lender. Past rates and product availability are not indicative of future availability.

5. Mortgage Capacity Report Letters

Mortgage Capacity Report Letters are produced for the purposeof family law and divorce proceedings only. They are based solely on theinformation provided to us at the time of instruction and represent anassessment of borrowing capacity- not a guarantee of mortgage availability.

Mortgage Capacity Report Letters are addressed to the instructing party and/or their legalrepresentative. Bell FS accepts no liability for reliance on a report by any third party not named within it.

6. Third-Party Referrals

In the course of providing our services, we may refer you tospecialist third-party partners, including solicitors, surveyors, will writers,conveyancers, and other professional services.

Any such referral is made ingood faith and for your convenience only. It does not constitute advice or anendorsement of that party’s services. Bell FS is not responsible for theproducts, services, standards, or conduct of any third-party provider, and anyarrangement you enter into with a third party is solely between you and thatparty.

We recommend that you carry out your own due diligence before engaging any third-party service.

7. Data Protection and Privacy

Bell FS processes your personal data in accordance with the UKGeneral Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. We collect and use your personal data solely for the purposes of providing ourservices, complying with regulatory obligations, and maintaining our clientrelationship.

We will never sell your personaldata to third parties. For full details of how we collect, use, store, and protect your data, please refer to our Privacy Policy.

For information on how we use cookies on our website, please see our Cookie Policy.

8. Communications

By engaging our services, you consent to us contacting you bytelephone, email, or our client app for the purposes of managing your mortgageand providing ongoing service. You may opt out of marketing communications atany time by contacting us directly.

9. Complaints

We are committed to providing a high standard of service. Ifyou are dissatisfied with any aspect of our service, please refer to our Complaints Policy for full details of how toraise a concern and what to expect from us.

If you remain dissatisfied afterour final response, you may refer your complaint to the Financial OmbudsmanService:

Financial Ombudsman Service

Exchange Tower, London, E14 9SR

Tel: 0800 023 4567

Website: www.financial-ombudsman.org.uk

10. Limitation of Liability

To the extent permitted by law, Bell FS’s liability to you inconnection with our services shall not exceed the fee paid by you for therelevant service. We shall not be liable for any indirect, consequential, or economic loss.

Nothing in these Terms limits our liability for fraud, personal injury, or death caused by our negligence, or any other liability that cannot be excluded under applicable law.

11. Governing Law

These Terms and Conditions are governed by the laws of Englandand Wales. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to These Terms

We reserve the right to update these Terms and Conditions atany time. The current version will always be available on our website. Continued use of our services following any update constitutes acceptance ofthe revised Terms.

13. Contact Us

Bell Financial Solutions Ltd

Waulk Mill Beehive Lofts, Bengal Street, Manchester, M4 6LN

Tel: 0161 791 4757

Website: www.bellfinancialsolutions.co.uk

‍Last updated: June 2026

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