What HomeBuyingUK.co.uk provides
The website is an independent editorial resource owned by Prudent Plus Limited. It explains parts of the UK home-buying and moving process in plain English and provides links to further information and a home-insurance comparison service.
We do not act as an estate agent, conveyancer, surveyor, mortgage lender or insurer through this website. Reading a guide does not create a professional-client relationship with Prudent Plus Limited. The material is general and cannot take account of the contract, property, finances or household involved in one particular purchase.
Property law and buying practice are not identical across England, Wales, Scotland and Northern Ireland. A page that discusses exchange of contracts in England and Wales should not be used as an explanation of the Scottish system.
Use the guides alongside your own professional advice
Your conveyancer should advise on the title, searches, contract, tax and the date on which you become responsible for the property. A surveyor should advise on the visible condition and construction. Mortgage and insurance questions should be put to the relevant lender, adviser, broker or insurer.
We take care over the information, but a short online guide cannot cover every exception. Rules, tax thresholds, insurance products and external pages also change. Check an important point against an official source or ask the professional dealing with that part of your purchase.
Nothing on the site is personal financial advice, legal advice, a building survey, a valuation or an interpretation of an insurance policy. Do not exchange contracts, cancel cover or commit money solely because of something read here.
How the insurance comparison link works
Prudent Plus Limited is an introducer appointed representative of Seopa Ltd. Seopa Ltd, trading as Quotezone, provides the insurance comparison service and is authorised and regulated by the Financial Conduct Authority under reference 313860.
When you select a comparison button, you leave HomeBuyingUK.co.uk and use Quotezone's service. Quotezone supplies the quotation journey and explains the insurers or providers shown. Its own terms and privacy notice apply to the details entered there.
Prudent Plus Limited may receive commission when an insurance product is bought through the link. The commission does not increase the premium paid by the customer. We do not make a personal recommendation about which result to choose. It remains your responsibility to read the cover, excesses, exclusions and answers before buying.
A comparison service may not include every insurer in the market. A quotation can also change when further information is supplied or checked.
Accuracy, outside links and website availability
We aim to keep the guides clear and factually sound. Even so, we cannot promise that every page is complete, free from error or suitable for an unusual transaction. If you spot a mistake, please tell us through the contact page so it can be checked.
Links to GOV.UK, MoneyHelper, RICS, the FCA and other websites are provided because they may be useful. Those organisations control their own pages. A link does not mean that they approve HomeBuyingUK.co.uk or that we are responsible for everything published there.
The website may occasionally be unavailable for maintenance, technical faults or reasons outside our control. We may change, add or remove pages without notice. We do not guarantee that an old bookmark or external link will continue to work indefinitely.
Acceptable use and copyright
You may read the site, print a reasonable number of pages for your own home purchase and share ordinary links. You must not try to damage the service, bypass security, introduce malicious code, scrape the site at a level that disrupts it, or use the content in a misleading or unlawful way.
Unless a page says otherwise, the original wording, layout and design are owned by Prudent Plus Limited. Quoted material and third-party names remain the property of their respective owners. You may not reproduce a substantial part of the website commercially, republish it as your own or build a competing content service from it without written permission.
Automated systems may index the public pages in the ordinary way, subject to the site's technical instructions. Permission to index is not permission to copy and republish the content.
Liability, governing law and contact
We do not exclude responsibility where the law says it cannot be excluded. Subject to that, Prudent Plus Limited is not responsible for a decision made solely from general editorial material, for loss caused by inaccurate information supplied by a third party, or for the availability and operation of another website.
Insurance quotations, policy documents and claims are matters between the customer and the relevant comparison provider, broker or insurer. Property services are the responsibility of the professional or firm appointed to provide them.
These terms are governed by the law of England and Wales. If you live in Scotland or Northern Ireland, a dispute may need to be dealt with by a different court. Nothing in these terms takes away the legal rights you have as a consumer.
Questions about these terms can be sent to askprudent@sent.com or by post to Prudent Plus Limited, Booths Hall, Booths Park, Chelford Road, Knutsford WA16 8GS.