Terms of Use

Last updated: 5 January 2026

1. About RateIQ

RateIQ is a comparison and introducer service. We provide information about bridging loan products and connect users with FCA-authorised brokers.

Important: RateIQ is not a lender, broker, or financial adviser. We do not provide regulated financial advice. Any information on this website is for general guidance only.

2. Use of This Website

By using this website, you agree to:

  • Use the site for lawful purposes only
  • Provide accurate information in any enquiries
  • Not attempt to interfere with the site's operation
  • Not reproduce content without permission

3. Information Accuracy

We strive to keep lender information accurate, however:

  • Rates and terms change frequently and may not reflect current offers
  • Displayed rates are indicative and subject to individual assessment
  • We rely on publicly available information and lender data
  • Always verify terms directly with the lender or broker

4. Calculator Disclaimers

Our calculators (bridging, stamp duty, mortgage) are for illustration only. Actual costs depend on:

  • Your individual circumstances and credit history
  • Property type, location, and condition
  • Lender assessment and valuation
  • Current market conditions

5. Third-Party Links

This website may contain links to external sites. We are not responsible for:

  • Content on third-party websites
  • Privacy practices of other sites
  • Any transactions you enter with third parties

6. Intellectual Property

All content on this website (text, graphics, logos, code) is owned by RateIQ or our licensors. You may not:

  • Reproduce or distribute content without permission
  • Use our trademarks without authorisation
  • Scrape or extract data systematically

7. Limitation of Liability

To the maximum extent permitted by law:

  • We provide this website "as is" without warranties
  • We are not liable for decisions made based on our information
  • We are not responsible for losses arising from use of this site
  • Our liability is limited to the amount you paid us (if any)

8. Your Property at Risk

Warning: Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Bridging loans are short-term and may have higher costs than traditional mortgages.

9. Governing Law

These terms are governed by English law. Any disputes will be subject to the exclusive jurisdiction of the English courts.

10. Changes to Terms

We may update these terms at any time. Continued use of the website constitutes acceptance of updated terms.

11. Commercial Relationships

Disclosure: RateIQ may receive a fee or commission from brokers when an introduction results in a completed loan. This commercial relationship does not affect your costs - any broker fees are disclosed to you separately before you proceed.

12. Contact

For questions about these terms: info@rateiq.co.uk