Simple rules for using this website.

1. Acceptance of these terms

By using this website, you agree to these Terms of Use. If you do not agree, please do not use the website.

2. What this website is for

This website is here to help users understand mortgage topics in a simpler way. It may include articles, case studies, calculators, indicative rates, contact forms and general educational material.

3. General information only

The content on this website is for general information. It is not financial advice, legal advice, tax advice, investment advice, or a guaranteed recommendation. Your situation may be different from the examples shown.

4. Mortgage calculators and examples

Calculators, case studies, charts and examples are for illustration only. They depend on assumptions such as loan amount, interest rate, loan tenure, property type, borrower profile, and market conditions. Actual results may be different.

5. Indicative rates and packages

Any rates or packages shown are indicative and may change. Final rates, approval, loan amount, fees, subsidies, lock-in terms and conditions depend on the bank or lender’s assessment at the time of application.

6. No guarantee of approval

Submitting a form, using a calculator, speaking to us, or receiving an indicative comparison does not guarantee that a bank or lender will approve your loan.

7. Your responsibility

You are responsible for checking whether any mortgage option is suitable for your own financial situation. You should consider your income, expenses, commitments, emergency savings, family needs, investment plans and comfort with risk before making a decision.

8. Information you provide

If you submit information through the website, you agree to provide accurate and updated details. We may not be able to give useful guidance if the information is incomplete or wrong.

9. Contact forms and follow-up

When you submit a form, you agree that we may contact you about your enquiry. This may be done by phone, WhatsApp, email or other reasonable channels.

10. Third-party products and services

Mortgage products are provided by banks, financial institutions or lenders, not by this website. Any final arrangement is subject to the terms and conditions of the relevant bank or lender.

11. Third-party links

Our website may link to external websites such as banks, public data sources, social media platforms or partner sites. We are not responsible for the content, availability, accuracy or practices of those external websites.

12. Intellectual property

Unless otherwise stated, the design, layout, copy, visuals, charts, articles and other website content belong to The Mortgage People or are used with permission. You may not copy, reproduce, publish or use our content commercially without written permission.

13. Fair use of the website

You agree not to misuse the website, attempt to break it, upload harmful code, scrape it unfairly, impersonate another person, submit false information, or use it for unlawful purposes.

14. Website availability

We aim to keep the website available, but we cannot promise that it will always be uninterrupted, error-free or fully updated. We may change, suspend or remove parts of the website at any time.

15. Limitation of responsibility

To the extent allowed by law, we are not responsible for losses arising from your use of the website, reliance on general information, delays, errors, external links, or decisions made without personalised review.

16. Changes to these terms

We may update these Terms of Use from time to time. The latest version will be posted on this page. Continued use of the website means you accept the updated terms.

17. Governing law

These terms are governed by the laws of Singapore. Any disputes will be handled in accordance with Singapore law, unless otherwise required by applicable law.

18. Contact us

If you have questions about these Terms of Use, contact us at hello@themortgagepeople.co.

This is a working website draft and should be reviewed by a qualified legal adviser before public launch.