Terms & Conditions

IT Contractor Mortgages is an introducer to Y-not Finance Limited.


Your initial mortgage consultation is obligation free and our standard charge for recommending and arranging a mortgage is £345.

Fees may vary depending on your circumstances and mortgage loan amount, if your case is a complex one, we will discuss this with you prior to you signing our client agreement and before you make a mortgage application.

Fees may vary depending on your circumstances and mortgage loan amount, if your case is a complex one, we will discuss this with you prior to you signing our client agreement and before you make a mortgage application.

Our broker fee is payable in two stages, the first £295 is payable once we have submitted your mortgage application, the remaining balance will become due once your mortgage offer has been issued.

We may receive commission from the mortgage lender in addition to the fee we have charged you, which we will also retain. All fees will be disclosed on the Key Facts Illustrations (KFI) or European Standardised Information Sheet (ESIS) you will receive relating to your chosen mortgage.

You will receive a KFI or ESIS when considering a particular mortgage which will tell you about any fees relating to it.

If we charge you a fee, and your mortgage does not go ahead, you will receive:

No refund if we have carried out credit searches/research/ product options and sourced a suitable mortgage provider.

Jurisdiction for use

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Accordingly this site is intended for use by those who can access it from within the UK. By using this site you agree to be legally bound by these terms, which shall take effect immediately on your first use of this site.

Governing Law

This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.


Y-not Finance Limited may change these terms at any time by posting changes online.

If you do not agree to be legally bound by all the following terms please do not access or use this website.


This site’s content, including the information, names, images, pictures, logos and icons regarding or relating to Y-not Finance Limited and it’s products and services, is provided “AS IS” and on an “IS AVAILABLE” basis without any representations or any kind of warranty made (whether express or implied by law) to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

Accuracy and Validity

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, Y-not Finance Limited does not warrant that the functions and information content contained in this site will be uninterrupted or error free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or bugs. It is your responsibility to ensure that your computer is virus protected.


Under no circumstances will Y-Not Finance be liable for any of the following losses or damage (whether such losses were foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury to reputation; (f) losses suffered by third parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of this site regardless of the form of action.

Third Party Websites

This website may also contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. Y-not Finance Limited provide links for convenience but the inclusion of any link does not imply endorsement in any way of the site to which it links. Y-not Finance Limited is not responsible for the accuracy of the infomation contained within the sites.

Risk Warnings

The value of property can go down as well as up, and you may not receive back all of your initial investment.

Past performance is not a reliable indicator of future results.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate some forms of Buy to Let.