Terms of Website Use

Last updated: 21 July 2026

1. About these terms

These terms explain the rules for using:

newtonabbotmortgagebroker.co.uk

By using this website, you confirm that you accept these terms and agree to comply with them.

Please stop using the website if you do not agree with these terms.

These terms apply only to your use of this website. Separate terms, regulatory documents and agreements will apply if you ask Mermaid Mortgages Ltd to provide mortgage, protection or related services.

2. Who we are

This website is operated by Mermaid Mortgages Ltd.

Company name: Mermaid Mortgages Ltd
Company number: 14375537
Registered office: 45 Dolphin Court Road, Paignton, England, TQ3 1AG

Mermaid Mortgages is a trading style of Mermaid Mortgages Ltd.

Mermaid Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

This website is the Newton Abbot-focused website for Louisa Seymour and forms part of the wider Mermaid Mortgages business.

3. Information, not personal advice

The content on this website is provided for general information only.

It does not take account of your individual circumstances and should not be treated as:

personal mortgage advice;
financial, investment, legal, tax or accountancy advice;
a recommendation to enter into a particular mortgage or insurance contract;
confirmation that you will qualify for a particular product;
a mortgage offer or agreement;
a guarantee that an application will be accepted.

Personal mortgage or protection advice will only be provided after Louisa has gathered and assessed the information needed to understand your circumstances, needs and objectives.

You should not make an important financial decision based solely on general website content.

4. Mortgage and protection products

Mortgage, insurance and protection products are subject to:

eligibility criteria;
affordability assessments;
credit checks;
property valuations;
lender or insurer underwriting;
product availability;
the provider’s terms and conditions;
legal and regulatory requirements.

Rates, fees, product features and lending criteria may change without notice.

Submitting an enquiry does not guarantee that a suitable product will be available or that an application will be accepted.

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

5. Enquiries and consultations

Submitting an enquiry form, sending an email or requesting a consultation does not create a contract between you and Mermaid Mortgages Ltd.

An enquiry is an invitation for Louisa to contact you and discuss your requirements.

Any regulated service, fee arrangement or formal instruction will be confirmed separately before work begins.

You are responsible for ensuring that the information you provide is accurate, complete and not misleading.

Please do not send highly sensitive financial, medical or identification information through the general website form unless Louisa has specifically asked you to do so.

6. Website information

We take reasonable care to keep the information on this website useful and accurate.

However:

mortgage products and market conditions can change quickly;
information may occasionally become outdated;
errors or omissions may occur;
website content may be updated, changed or removed without notice.

We do not guarantee that every page will always be complete, current or free from errors.

You should contact Louisa for up-to-date information relevant to your circumstances.

7. Website availability

We aim to keep the website available and operating correctly, but we cannot guarantee uninterrupted access.

We may suspend, withdraw or restrict all or part of the website for reasons including:

maintenance;
security work;
software updates;
hosting or internet failures;
technical faults;
circumstances outside our reasonable control.

We will try to restore access within a reasonable period where possible.

8. Acceptable use

You must not use this website:

for any unlawful, fraudulent or misleading purpose;
to introduce viruses, malware or harmful code;
to gain unauthorised access to the website, server or connected systems;
to interfere with the operation or security of the website;
to submit false, abusive, defamatory or offensive material;
to impersonate another person;
to collect information about other users without permission;
to send spam or automated submissions;
in any way that could damage Mermaid Mortgages Ltd, Stonebridge Mortgage Solutions Ltd, Louisa Seymour or another person.

We may block access, restrict submissions or report activity where we reasonably believe the website is being misused.

9. Intellectual property

Unless stated otherwise, the website and its content are owned by, or licensed to, Mermaid Mortgages Ltd.

This includes:

written content;
branding and logos;
photographs;
illustrations;
graphics;
page layouts;
downloadable documents;
website code and design elements.

You may view, print or save reasonable extracts for your personal, non-commercial use.

You must not reproduce, publish, sell, license, modify or commercially exploit website content without prior written permission from the relevant rights holder.

You must not remove copyright, trade mark or ownership notices.

10. Links to other websites

This website may link to external websites, including:

the main Mermaid Mortgages website;
Stonebridge Mortgage Solutions Ltd;
lenders;
insurers;
regulators;
professional service providers;
other useful resources.

Links are provided for information and convenience.

We do not control external websites and are not responsible for their:

availability;
security;
accuracy;
content;
products;
services;
privacy practices.

A link does not necessarily mean that Mermaid Mortgages Ltd endorses every statement, product or service on that website.

You should review the external website’s own terms and privacy information.

11. Linking to this website

You may link to publicly accessible pages on this website, provided that you do so fairly and lawfully.

You must not:

suggest an association, approval or endorsement that does not exist;
place the website within a frame on another website;
use a link in a misleading or damaging context;
link from unlawful, fraudulent or offensive material;
copy substantial website content instead of linking to it.

We may ask you to remove a link where we reasonably believe it is misleading, inappropriate or harmful.

12. Our responsibility to you

Nothing in these terms excludes or limits liability where it would be unlawful to do so.

This includes liability for:

death or personal injury caused by negligence;
fraud or fraudulent misrepresentation;
any responsibility that cannot legally be excluded.

Subject to those protections, Mermaid Mortgages Ltd is not responsible for loss arising solely from:

reliance on general website information without obtaining advice appropriate to your circumstances;
events outside our reasonable control;
temporary website unavailability;
external websites or services;
viruses or harmful material introduced by third parties;
unauthorised access caused by circumstances outside our reasonable control;
inaccurate or incomplete information supplied by a visitor.

Nothing in these terms affects your statutory rights as a consumer. UK consumer law requires contractual terms to be fair and prevents businesses from excluding certain legal responsibilities.

13. Website security

We take reasonable steps to protect the website, but we cannot guarantee that it will always be secure or free from viruses or other harmful material.

You are responsible for:

using appropriate antivirus and security software;
protecting your device and passwords;
maintaining secure internet access;
checking files before opening or downloading them.

You must not attempt to test, scan or exploit website security without written permission.

14. Privacy and cookies

Our Privacy Policy explains how personal information is collected, used, shared, protected and retained.

Our Cookie Policy explains the cookies and similar technologies used by the website and how you can manage your preferences.

By submitting personal information through this website, you acknowledge that it will be handled as described in the Privacy Policy.

15. Changes to the website or these terms

We may update the website and these terms from time to time.

The latest version will be published on this page, together with the date it was last updated.

Your continued use of the website after an update means that the revised terms will apply to future use.

Changes will not retrospectively remove rights you already have under law or an existing agreement.

16. Governing law

These terms and your use of this website are governed by the laws of England and Wales.

If you are a consumer, you may also benefit from mandatory protections and the right to bring proceedings in the courts that apply where you live.

If you use this website for business purposes, the courts of England and Wales will have exclusive jurisdiction unless otherwise agreed in writing.

17. Contact us

For questions about these terms or the website, contact:

Mermaid Mortgages Ltd
45 Dolphin Court Road
Paignton
England
TQ3 1AG

Email: louisa@mermaidmortgages.co.uk
Telephone: 07584 097131