Terms of Use

These terms are a contract between you and us. By creating an account you accept them. Please read section 3 (this is not financial advice) and section 8 (our liability) in particular — they limit what you can hold us responsible for.

1. Who we are

My Home Journey is a service provided by Property Link Homes Limited (“we”, “us”), a company registered in England and Wales under company number 05234968, whose registered office is at 10–10a North Street, Ripon, North Yorkshire, England, HG4 1JY. Contact us at info@propertylinkhomes.com.

2. Your account

• You must be at least 18 and resident in the United Kingdom.
• The details you give us must be accurate, and you must keep them up to date.
• You are responsible for keeping your password confidential and for everything done through your account. Do not share it, and do not reuse it on other sites.
• Tell us immediately at info@propertylinkhomes.com if you think someone else has accessed your account. You can also end every active session yourself from Profile → Edit Account → Security.
• One account per person. Do not create an account for anyone else.

3. This is guidance, not regulated financial advice

Every figure the app shows you — affordability estimates, buying power, deposit targets, timelines, readiness indicators — is an indicative illustration generated from the numbers you typed in, using general assumptions. It is not a mortgage offer, a decision in principle, an affordability assessment by a lender, or a promise that any lender will lend to you.

Lenders apply their own criteria, credit checks and affordability rules, and their answer may be very different from anything shown here. Before making any financial decision you should speak to a qualified, FCA-authorised mortgage adviser and consider your own circumstances.

Your figures are your responsibility. The app cannot verify what you enter. If the numbers you provide are wrong, incomplete or out of date, the output will be wrong too, and we are not responsible for that output or for decisions taken on the strength of it.

Where you receive regulated mortgage advice from an FCA-authorised adviser at Property Link Homes, that advice is provided under a separate agreement and is regulated separately. These terms cover your use of the app only.

4. Estate agents and third parties

The app can link you to an estate agency and display its contact details. We are not responsible for the services, conduct, fees or advice of any estate agent, lender, solicitor, surveyor or other third party you deal with, whether or not you found them through the app. Your dealings with them are between you and them.

5. Acceptable use

You must not:

• Attempt to access another user's account or data.
• Probe, scan or test the security of the service, or bypass any security or rate-limiting measure.
• Use automated means to scrape, harvest or bulk-download content or data.
• Upload anything unlawful, malicious, or infringing someone else's rights.
• Reverse engineer, resell or white-label the service.
• Misrepresent who you are.

We may suspend or terminate an account that breaches these terms, with notice where it is reasonable to give it.

6. Availability

We aim to keep the service running but we do not guarantee it will be uninterrupted or error-free. We may change, suspend or withdraw features, and may carry out maintenance. Where a change is significant and within our control, we will give you reasonable notice.

7. Intellectual property

We own the app, its content, branding and design. You may use it for your own personal, non-commercial purpose of planning your home purchase. You keep ownership of the information you enter; you grant us a licence to use it to provide the service to you as described in our Privacy Policy.

8. Our liability to you

What we do not exclude

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for any breach of the statutory rights you have as a consumer, or for anything else that cannot lawfully be limited or excluded. This includes our responsibilities as a data controller under UK data protection law, which we do not and cannot contract out of.

What we do exclude

Subject to the paragraph above, and to the fullest extent permitted by law:

• The app is provided on an “as is” basis. We give no warranty that the estimates, calculations or guidance it produces are accurate, complete, or suitable for your circumstances.
• We are not liable for any loss arising from your reliance on the app's output, including any mortgage you do or do not obtain, any property you do or do not buy, or any financial decision you take.
• We are not liable for business losses. The service is for personal use; if you use it for any business purpose we have no liability to you for loss of profit, business, contracts, goodwill or anticipated savings.
• We are not liable for indirect or consequential loss, or for losses that were not reasonably foreseeable when you started using the service.
• We are not liable for loss caused by your failure to keep your password secure or by your sharing access with someone else.
• We are not liable for failures caused by events outside our reasonable control, including failures of internet or third-party infrastructure.

Cap

Subject to the “what we do not exclude” paragraph above, our total liability to you for all claims connected with your use of the app is limited to £100. My Home Journey is provided free of charge and you pay us nothing for it.

This cap does not apply to any separate agreement under which we provide you with regulated mortgage advice. That relationship has its own terms and its own protections, including access to the Financial Ombudsman Service.

As a consumer you always have legal rights in relation to services that are not performed with reasonable care and skill. Nothing here affects those rights. Advice about them is available free from Citizens Advice.

9. Ending this agreement

You can stop using the service and delete your account at any time from Profile → Edit Account → Danger Zone. Deletion is immediate and permanent. We may end or suspend your access if you materially breach these terms, or if we stop providing the service, giving you reasonable notice where we can.

10. Changes to these terms

We may update these terms. If a change materially affects your rights we will tell you in the app or by email before it takes effect, and you may close your account if you do not accept it. Continuing to use the service after that point means you accept the updated terms.

11. Governing law

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction — except that if you live in Scotland or Northern Ireland you may also bring proceedings in your own country.

See also our Privacy Policy.