Terms & Conditions

These Terms and Conditions explain the rules for using the TQS Finance website and submitting an enquiry through our website.

By using this website, you agree to these Terms and Conditions. If you do not agree with them, please do not use this website.

1. Who We Are

This website is operated by TQS Finance.

Business name: TQS Finance
Company name: TQS Investments Ltd.
Company number: 0800 341 1324
Registered address: 22 Ninian Park, Cardiff, United Kingdom, CF11 6JA
Email: admin@tqsfinance.co.uk
Phone: 0800 341 1324

TQS Finance provides commercial finance brokerage services, helping clients explore property finance, commercial mortgage, bridging finance, Islamic property finance and business funding options.

2. Website Purpose

The purpose of this website is to provide general information about TQS Finance and the finance services we may be able to help with.

This includes information about:

• Commercial mortgages

• Bridging finance

• Development and refurbishment funding

• Buy-to-let mortgages

• HMO and multi-unit freehold block finance

• Islamic/Sharia-compliant property finance

• Business funding and working capital options

The information on this website is provided for general guidance only. It is not financial advice, legal advice, tax advice or a guaranteed offer of finance.

3. Use of This Website

You agree to use this website only for lawful purposes.

You must not:

• Use this website in a way that breaches any applicable law or regulation

• Submit false, misleading or inaccurate information

• Attempt to gain unauthorised access to the website, server or database

• Introduce viruses, malware or harmful code

• Copy, reproduce or misuse website content without permission

• Use the website in a way that could damage, disable or impair its operation

We may restrict or block access to the website if we believe it is being misused.

4. Finance Enquiries

When you submit an enquiry through this website, you are asking TQS Finance to review your information and contact you about potential finance options.

Submitting an enquiry does not mean:

• Your application has been approved

• A lender has agreed to provide finance

• Any specific rate, term or product is guaranteed

• TQS Finance is obliged to arrange finance for you

All finance is subject to status, affordability, valuation, lender criteria, underwriting and availability.

We may contact you by phone, email, SMS, WhatsApp or other communication methods using the details you provide.

5. Accuracy of Information You Provide

You are responsible for ensuring that any information you provide to us is accurate, complete and up to date.

This includes information about:

• Your identity

• Contact details

• Finance requirements

• Property details

• Property value

• Business details

• Income or financial position

• Ownership status

• Timescale

• Any documents or supporting information

If you provide inaccurate or incomplete information, it may affect our ability to assess your enquiry or introduce you to suitable finance providers.

6. No Guarantee of Finance

TQS Finance does not guarantee that finance will be available to you.

Any finance option will depend on factors including:

• Your circumstances

• The property or project

• Finance amount required

• Loan-to-value

• Credit profile

• Affordability

• Valuation

• Lender criteria

• Product availability

• Underwriting outcome

A decision in principle, indication, quote or initial discussion is not a binding mortgage offer or final approval.

7. Rates, Terms and Product Information

Any rates, fees, loan-to-value examples, funding ranges or product details shown on this website are for general information only.

They may change without notice and may not be available in every case.

Examples such as funding from £100,000 to £25 million+, loan-to-value options or decisions within a stated timeframe are indicative only and subject to lender criteria, eligibility and availability.

8. Commercial Finance and Regulation

Some commercial mortgages and forms of business finance may not be regulated by the Financial Conduct Authority.

Where regulated products or services are involved, the applicable regulatory protections and requirements will apply.

You should ask us if you are unsure whether a product or service is regulated.

9. Mortgage Risk Warning

Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

You should carefully consider whether the finance you are applying for is suitable and affordable for your circumstances.

10. Islamic/Sharia-Compliant Finance

TQS Finance may help clients explore Islamic or Sharia-compliant property finance options, including Buy-to-Let, Bridging Finance and Bridge-to-Let products.

Availability of Islamic finance is subject to provider criteria, product availability, eligibility, underwriting and approval.

References to Islamic or Sharia-compliant finance do not guarantee that a product will be available or suitable for your circumstances.

Where relevant, the finance provider will be responsible for explaining the structure, terms and Sharia-compliance basis of its product.

11. Business Funding

Business funding and working capital options are subject to lender or provider criteria, affordability, trading history, business performance, underwriting and availability.

TQS Finance does not guarantee approval, funding amount, speed of completion or product suitability.

12. Fees and Commission

TQS Finance may receive commission from lenders, finance providers, introducers or other third parties.

Where any broker fee is payable by you, this will be explained before you proceed.

We aim to be transparent about any fees, commission or charges connected with your enquiry or application.

13. Third-Party Lenders and Providers

TQS Finance may introduce you to lenders, finance providers, brokers, packagers, solicitors, valuers, accountants or other professional partners.

These third parties may have their own terms, privacy policies, fees, processes and eligibility criteria.

TQS Finance is not responsible for the acts, omissions, decisions, advice, delays or services of independent third parties.

You should read and understand any third-party terms before entering into an agreement with them.

14. No Financial, Legal or Tax Advice

The information on this website is not intended to be financial, legal, investment, tax or accounting advice.

You should seek independent professional advice where needed, especially before entering into any finance agreement, property transaction, business borrowing arrangement or tax-sensitive structure.

15. Website Content

We aim to keep the information on this website accurate and up to date. However, we do not guarantee that all information is complete, accurate, current or suitable for your circumstances.

We may update, remove or change website content at any time without notice.

16. Website Availability

We try to keep this website available and working properly, but we do not guarantee uninterrupted access.

The website may be unavailable from time to time due to:

• Maintenance

• Updates

• Technical issues

• Hosting issues

• Security incidents

• Events outside our control

We are not responsible for any loss or inconvenience caused by website downtime or technical issues.

17. External Links

This website may contain links to third-party websites.

These links are provided for convenience only. We are not responsible for the content, security, accuracy, policies or practices of third-party websites.

You access third-party websites at your own risk.

18. Intellectual Property

Unless otherwise stated, all content on this website belongs to TQS Finance or is used with permission.

This includes:

• Text

• Branding

• Logos

• Images

• Graphics

• Layouts

• Icons

• Website design

• Downloadable materials

You may view and print website pages for personal or internal business use.

You must not copy, reproduce, distribute, modify or commercially exploit our website content without written permission.

19. Data Protection and Privacy

We handle personal information in accordance with applicable UK data protection laws.

For details about how we collect, use, store and share personal information, please read our Privacy Policy.

For details about cookies and similar technologies, please read our Cookie Policy.

The ICO says websites should clearly explain what cookies do and obtain consent for non-essential cookies, with an exception for strictly necessary cookies. (ICO)

20. Limitation of Liability

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

This includes liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any other liability that cannot legally be excluded.

Subject to this, TQS Finance will not be liable for:

• Loss arising from reliance on general website information

• Loss caused by inaccurate information you provide

• Loss caused by third-party lenders or providers

• Loss of profit, revenue, business or opportunity

• Website downtime or technical issues

• Loss caused by viruses, cyber incidents or unauthorised access beyond our reasonable control

• Indirect or consequential loss

21. Complaints

If you are unhappy with our service, please contact us first so we can try to resolve the issue.

Email: admin@tqsfinance.co.uk
Phone: 0800 341 1324
Address: 22 Ninian Park, Cardiff, United Kingdom, CF11 6JA

Please include:

• Your name

• Contact details

• A summary of your complaint

• Any relevant documents or reference numbers

We will review your complaint and respond as soon as reasonably possible.

For more information, please see our Complaints Procedure page.

22. Changes to These Terms

We may update these Terms and Conditions from time to time.

The latest version will be published on this website with the updated date shown at the top.

By continuing to use the website after changes are published, you agree to the updated Terms and Conditions.

23. Governing Law

These Terms and Conditions are governed by the laws of England and Wales.

Any disputes relating to these Terms, this website or your use of this website will be subject to the jurisdiction of the courts of England and Wales.

24. Contact Us

For questions about these Terms and Conditions, contact:

TQS Finance
Email: contact@tqsfinance.co.uk
Phone: 0800 341 1324
Address: 22 Ninian Park, Cardiff, United Kingdom, CF11 6JA