Last updated: October 2026

These terms govern your use of this website. By using the site, you agree to them. They cover the website only. If you become a client, our Terms of Business and Initial Disclosure Document set out the terms of our service to you.

Who we are

This website is owned and operated by Ngage Finance Ltd (“we”, “us”, “our”), a company registered in England and Wales (company no. 13306342), 18 Windsor Place, Cardiff CF10 3BY.

Ngage Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 948419. You can check this at www.fca.org.uk/register. Some forms of buy-to-let, commercial and bridging finance are not regulated by the FCA, and we will tell you whether your loan is regulated before you proceed.

Our trading styles are Seek Finance, Bridge Scout, Commercial Scout and Source Scout.

We are a broker, not a lender. Any loan you take out through us is subject to the lender’s own terms.

Our fees

Our fees are set out in full, with a worked example for each type of loan, in our Initial Disclosure Document, which we give you before we act for you. In summary:

We may agree a lower fee in the circumstances set out in our Initial Disclosure Document. Your actual fee will be confirmed to you in writing before you commit. Lenders may also pay us commission, which we will disclose to you before you proceed.

Information on this website

The information on this site is general information, not advice, and is not a recommendation to take out any product. We only give advice once we have assessed your circumstances. We take care to keep the site accurate and up to date, but product details, rates and criteria come largely from lenders and can change at any time. Please speak to us before making any decision.

Calculators and comparison results on this site are illustrations only. They are not an offer of finance or a guarantee that a lender will accept your application.

Our liability

We are not responsible for any loss arising from your use of the general information on this site, or from the site being unavailable or interrupted, except where we have been negligent or the law does not allow us to exclude liability.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else that cannot be excluded by law. Nothing in these terms excludes or restricts any duty or liability we owe you under the FCA’s rules or the Financial Services and Markets Act 2000.

Links to other websites

This site may link to other websites, including lenders’ sites. We are not responsible for their content, and their own terms and privacy policies will apply.

Intellectual property

The content of this site belongs to us or our licensors. You may view it and print a copy for your personal use, but you may not copy or reuse it for commercial purposes without our written permission.

Using the site

You must not misuse this site, for example by introducing viruses or attempting to gain unauthorised access to it. We may suspend or withdraw access to the site at any time.

Verifying your identity

If you become a client, we are required to verify your identity and to understand the purpose of the finance and the source of any funds you are using. We use an electronic verification service to check identity, address and whether you are subject to sanctions or are a politically exposed person, and we may repeat checks during our relationship.

Your information and cookies

We handle personal information in line with UK data protection law and our Privacy Notice. Our Cookie Policy explains how we use cookies on this site. Please be aware that email is not always secure. If you need to send us personal or financial documents, ask us for a secure way to do so.

Complaints

If you are unhappy with our service, please contact us by phone on 0800 804 4645, by email at enquiries@ngagefinance.co.uk, or by post to the Operations Head, Ngage Finance Ltd, 18 Windsor Place, Cardiff CF10 3BY. Our Complaints Policy explains how we will handle your complaint. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or on 0800 023 4567. The Financial Ombudsman Service is only available for complaints relating to regulated products and services, so if you are taking out an unregulated product, such as a business buy-to-let mortgage, you may not be eligible to refer your complaint to it.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if we cannot meet our obligations, depending on the type of business and the circumstances of the claim. Mortgage advising and arranging is covered for 100% of the first £85,000 per person per firm. The FSCS does not cover unregulated products, including business buy-to-let mortgages. Further information is available at www.fscs.org.uk or on 0800 678 1100.

Changes to these terms

We may update these terms from time to time. The date at the top shows when they were last changed.

Law

These terms are governed by the laws of England and Wales, and the courts of England and Wales will have jurisdiction. If you live in Scotland or Northern Ireland, you may also bring proceedings in your local courts.

THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.