Website Terms and Conditions
Last updated: August 2026
These Terms & Conditions govern your use of the Nellmo website. By accessing or using this website, you agree to these terms. If you do not agree with them, please do not use the website.
1. About Nellmo
This website is operated by Nellmo Limited, company number 15681580.
Registered office:
Top Floor, 2 Silver Street
Cirencester
Gloucestershire
United Kingdom
GL7 2BL
Nellmo Limited, FCA number 1014885, is an Appointed Representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority.
ICO registration number: ZB685484
Email: info@nellmo.co.uk
2. Purpose of this website
The information contained on this website is provided for general information purposes.
Nothing on this website should, by itself, be treated as personalised mortgage, financial, protection, insurance, legal or tax advice. Any recommendation made by Nellmo will be based on the individual circumstances and information provided by the customer as part of our advice process.
Using this website, submitting an enquiry or using an online calculator does not in itself mean that Nellmo has provided you with regulated financial advice.
3. Mortgage and protection products
Mortgage and protection products are subject to eligibility, affordability, underwriting and individual provider criteria.
We cannot guarantee that you will qualify for a particular product; that a lender or insurer will accept an application; that an advertised or discussed interest rate will remain available; the amount a lender will agree to lend; the terms offered by a lender or insurer; or the timescale within which an application will be completed.
Mortgage and insurance products, lender criteria, interest rates and product availability can change without notice.
4. Accuracy of information
We take reasonable care to ensure that information published on this website is accurate and up to date. However, mortgage markets, interest rates, lender criteria, regulation and insurance products change regularly.
We therefore cannot guarantee that all information on the website will always be complete, accurate or current. Information should not be relied upon as a substitute for personalised professional advice.
We reserve the right to amend, remove or update website content at any time without notice.
5. Mortgage calculators and illustrations
Where our website provides calculators, estimates, examples or illustrations, the results are provided for general information only.
Results may be based on assumptions and should not be regarded as a mortgage offer, an agreement in principle, confirmation of affordability, confirmation that a lender will lend a particular amount, personalised mortgage advice, or a guarantee of the interest rate or monthly payment you will receive.
Actual mortgage availability and costs depend upon your individual circumstances and the lender’s assessment.
6. Your responsibilities
If you ask Nellmo to provide mortgage or protection advice, you are responsible for providing information that is accurate, complete and not misleading.
Our advice and any application made on your behalf may depend upon the information you provide. You should tell us promptly if your circumstances change during an application.
7. Third-party websites
This website may contain links to websites operated by other organisations. Links are provided for convenience and information only.
Nellmo does not control third-party websites and is not responsible for their content, availability, security, accuracy or privacy practices. The inclusion of a link does not necessarily mean that Nellmo endorses the organisation, website, product or service concerned.
8. Availability and security of the website
We aim to keep our website available and operating correctly. However, we do not guarantee that the website will always be available, access will be uninterrupted, the website will be completely free from errors, defects will always be corrected immediately, or the website will be free from viruses or other harmful components.
We may suspend, withdraw, change or restrict access to some or all of the website where reasonably necessary. You are responsible for maintaining appropriate security and virus protection on devices you use to access the website.
9. Intellectual property
Unless otherwise stated, the content of this website, including its text, branding, design, graphics and other materials, belongs to Nellmo Limited or is used by Nellmo under licence.
You may view and print reasonable extracts for your personal, non-commercial use. You must not reproduce, republish, commercially exploit, modify or distribute substantial parts of the website without our prior written permission, except where permitted by law.
10. Liability
Nothing in these Terms & Conditions excludes or limits liability where it would be unlawful to do so.
Subject to that, Nellmo will not be responsible for losses arising solely from reliance upon general information contained on this website where personalised advice should reasonably have been obtained.
We will not be responsible for loss or damage resulting from circumstances outside our reasonable control or from third-party websites or services which we do not control.
Nothing in these terms limits any rights you may have in relation to regulated mortgage or insurance advice actually provided by Nellmo.
11. Privacy
Information about how we collect and use personal information is contained in our Privacy Notice. Information about cookies and similar technologies is contained in our Cookie Policy.
12. Financial services regulation
Nellmo Limited, FCA number 1014885, is an Appointed Representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the United Kingdom.
Your individual adviser will explain the nature and scope of the services Nellmo provides and any applicable fees before providing regulated advice.
13. Complaints
We aim to provide a high standard of service. If you are unhappy with the service you have received, please contact us at info@nellmo.co.uk so that we can investigate your concerns.
Where your complaint relates to regulated financial services, it will be dealt with in accordance with the complaints procedure applicable to Nellmo as an Appointed Representative of Stonebridge Mortgage Solutions Limited.
You may also have the right to refer an eligible complaint to the Financial Ombudsman Service.
14. Changes to these terms
We may amend these Terms & Conditions from time to time. The version published on this website at the time you use it will apply to that use.
15. Governing law
These Terms & Conditions and your use of this website are governed by the laws of England and Wales. Nothing in these terms affects any mandatory consumer rights you may have under applicable law.
IMPORTANT MORTGAGE WARNING
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Nellmo Limited | Company number 15681580 | FCA number 1014885 | ICO registration ZB685484
Appointed Representative of Stonebridge Mortgage Solutions Limited, which is authorised and regulated by the Financial Conduct Authority.
Registered office: Top Floor, 2 Silver Street, Cirencester, Gloucestershire, United Kingdom, GL7 2BL
Email: info@nellmo.co.uk