Terms & Conditions

Last updated: March 2026

1. About Us & Statutory Disclosures

This website (commercialmortgagedealer.com) is owned and operated by Hello Leads Ltd ("we", "our", "us"), a private limited company incorporated and registered in England & Wales under Company Registration Number 10286382. Learn more about our leadership and origin on our About Us page.

commercialmortgagedealer.com is a trading style of Hello Leads Ltd. By accessing this website, utilising our online enquiry forms, or requesting commercial loan quotations across our commercial finance services, you agree to be legally bound by these Terms and Conditions.

Operating Entity: Hello Leads Ltd

Trading Style: commercialmortgagedealer.com

Company Registration Number: 10286382 (Registered in England & Wales)

ICO Data Protection Registration: ZB924628

Registered Office: 1 Llandegfedd Close, Cardiff, Wales CF14 9HD

Direct Telephone: 02920 752 111 (International: +44 2920 752 111)

General Legal Enquiries: legal@commercialmortgagedealer.com

2. Exclusive Business-to-Business (B2B) Scope

Our website and matching services are offered strictly and exclusively to corporate business entities, including:

UK registered Private Limited Companies (LTD) and Public Limited Companies (PLC)
Corporate Special Purpose Vehicles (SPVs) established for property investment or development
Limited Liability Partnerships (LLP) and general commercial partnerships
Commercial property developers and portfolio landlords operating through corporate wrappers

Strict Exclusion of Consumers & Sole Traders: We do not arrange regulated mortgage contracts, consumer credit, or personal financing for individual consumers, private residential homebuyers, or unincorporated sole traders. By submitting an enquiry, you warrant that you are acting solely on behalf of a corporate legal entity for commercial, business, or investment purposes.

3. Nature of Service: Lead Generation & Lender Matching

Commercial Mortgage Dealer operates as an independent commercial debt origination, lead generation, and introducer matching platform. We are an introducer and matching platform, not a broker. Our business model consists of the following:

Criteria Collection: You provide details of your corporate borrowing requirement via our contact forms, tools, or telephone consultations (including company structure, loan quantum, asset valuation, finance category, and target completion timeframe).
Lender Matching: We evaluate these specific criteria against the underwriting appetites and lending parameters of our panel of over 100 UK commercial lenders, challenger banks, bridging houses, development finance providers, and specialist commercial debt partners.
Commercial Introduction: We introduce your enquiry and details directly to the matched commercial lender(s) capable of fulfilling your specific facility requirements.

Not a Lender or Underwriter: Hello Leads Ltd is not a bank, building society, or direct lending institution. We do not advance loan capital, underwrite credit facilities, issue loan agreements, or make credit decisions.

No Regulated Advice: Information published on this website (including indicative rates, loan calculators, guides, and case studies) is provided for general commercial guidance and illustrative purposes only. Nothing on this website constitutes financial, legal, tax, or investment advice.

Third-Party Terms: Any formal loan offer, heads of terms, interest rate, or facility agreement is issued solely by the matched third-party lender and is subject to their independent underwriting, credit approval, property valuation, surveyor inspection, and formal legal charge.

4. Remuneration & Commercial Transparency

We believe in complete transparency regarding our commercial model:

Zero Upfront Consultation Fees: Our criteria evaluation, quotation matching, and introductory service is completely free of charge to the applicant company. We are not a broker and we do not charge upfront consultation, matching, or application fees.
Introducer Commissions: If a matched third-party lender successfully issues a commercial loan facility to your company, Hello Leads Ltd may receive an introducer fee or referral commission directly from the lender upon loan completion.
No Cost Inflation: Any introducer fee paid to us by the lender is part of their standard distribution arrangement and does not inflate the interest rate or arrangement fee offered to your company.

5. Applicant Warranties & Accuracy of Information

When submitting an enquiry on commercialmortgagedealer.com, you warrant and represent that:

Corporate Authority: You are a duly appointed company director, officer, partner, or authorised representative with legal authority to seek commercial finance and disclose company information on behalf of the named corporate entity.
Accuracy of Criteria: All information, property valuations, financial numbers, and company details provided in the contact form or during subsequent discussions are true, accurate, complete, and not misleading.
Legitimate Commercial Purpose: The finance requested is genuinely intended for commercial property acquisition, refinancing, business expansion, or property development by the corporate entity.

6. Regulatory Status & Absence of FCA / FOS Protection

Commercial Borrowing Unregulated Status Notice:

Commercial mortgages, property loans, and business finance arranged strictly for corporate entities (UK Limited Companies, LLPs, and SPVs) are unregulated by the Financial Conduct Authority (FCA) pursuant to the Financial Services and Markets Act 2000 (Regulated Activities Order 2001, Article 61 corporate borrower exemption).

Neither Hello Leads Ltd nor Commercial Mortgage Dealer is authorised or regulated by the FCA. Corporate applicants do not have recourse to the Financial Ombudsman Service (FOS), nor are commercial loan facilities protected by the Financial Services Compensation Scheme (FSCS). For disputes or complaints, please consult our formal Complaints Procedure.

7. Security Warning & Director Guarantees

IMPORTANT SECURITY & REPOSSESSION WARNING:

Commercial mortgages and business loans are secured against commercial property, land, or corporate assets through legal mortgages, fixed and floating charges, and company debentures.

Commercial lenders typically require personal guarantees (PGs) from company directors or beneficial owners.

YOUR COMMERCIAL PROPERTY OR ASSETS MAY BE REPOSSESSED IF YOUR COMPANY DOES NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

8. Limitation of Liability & Third-Party Lenders

To the maximum extent permitted by applicable law:

Third-Party Actions: Hello Leads Ltd accepts no liability for any loss, damage, expense, or delay resulting from the acts, omissions, credit decisions, interest rate changes, valuation reports, or contractual terms of third-party lenders, surveyors, or solicitors.
No Funding Guarantee: While we endeavour to match your criteria with suitable lenders, submission of an enquiry does not guarantee that loan terms will be offered or that funding will complete.
Consequential Losses: Hello Leads Ltd shall not be liable for any indirect, special, punitive, or consequential loss, including loss of profit, anticipated business, property purchase opportunity, or goodwill.

9. Intellectual Property

All intellectual property rights in the design, layout, text, graphics, guides, financial calculators, and branding on commercialmortgagedealer.com are owned by or licensed to Hello Leads Ltd. You may view and print pages solely for your company's internal use in seeking commercial finance. No part of this website may be reproduced, modified, or commercially exploited without our express prior written permission.

10. Data Protection & Privacy

Your corporate information and director contact details are processed in accordance with our Privacy Policy and the UK Data Protection Act 2018 / UK GDPR.

11. Governing Law & Jurisdiction

These Terms and Conditions, and any dispute, controversy, proceedings, or claim of whatever nature arising out of or in connection with them, shall be governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim.