Terms of Use
Welcome to our Terms of Use page. Here you'll find important information about using the Afford.Mortgage service.
By registering with Afford.Mortgage, you agree to the Terms. You should read these Terms carefully along with our Privacy Policy and only use our service if you are over 18 and you agree to them.
These Terms have no fixed or minimum duration. They will apply until either you or we end this agreement (see 'Your right to cancel' and 'Our right to suspend restrict or end this agreement').
What is Afford.Mortgage?
Afford.Mortgage is a web app for all things related to your money and your home buying plans that does key things for you:
- Analyses your finances using secure, regulated Open Banking technology to give a complete overview of your income, spending, and affordability.
- Provides a dynamic “Mortgage Readiness Score” to show how close you are to qualifying for the mortgage you want.
- Creates a personalised mortgage-readiness plan, mapping out the key steps between you and homeownership.
- Tracks your progress with intelligent budgeting tools and affordability insights that adjust with your goals.
- Improves your home-buying knowledge with bite-sized educational content on mortgages, credit scores, deposits, and more.
Afford.Mortgage does not provide financial advice.
How does Afford.Mortgage do it?
Afford.Mortgage processes your personal data securely to provide its functions. For full details, see our Privacy and Cookie Policy.
Afford.Mortgage is independent of your account providers. We may receive payments for promoting products but do not base our suggestions on this.
What does Afford.Mortgage cost?
Afford.Mortgage is free to use. Paid versions may be introduced in the future.
Using Afford.Mortgage
Register with your legal name and email. We may pause features if you’re inactive. Afford.Mortgage may not always be available due to maintenance.
Intellectual Property
You are granted a non-transferable licence for personal use. All intellectual property rights belong to Afford.Mortgage or its licensors.
Do not use content for commercial purposes without permission.
Prohibited Uses
You agree:
- Not to copy, reproduce or re-sell our site or app content.
- Not to access or damage our networks, systems or those of third parties.
Keeping you secure
Set and keep your password secret. Secure your device and notify us if it is lost or compromised. Afford.Mortgage is not responsible for password misuse.
Connecting your personal accounts
Link accounts using secure Open Banking. Consent is required and can be withdrawn. Afford.Mortgage retrieves only necessary data. Remove accounts anytime or contact us at [email protected].
Contact with Afford.Mortgage
We communicate via the app or email/SMS. Update your contact info as needed. You can contact us at [email protected].
Your right to cancel
You can cancel Afford.Mortgage anytime by emailing [email protected].
Our right to suspend, restrict or end this agreement
We may suspend or end services for inactivity, abuse, fraud risk, security threats, or legal reasons. We will inform you when appropriate.
Our liability
We’re responsible only for foreseeable losses from our breach or negligence. Afford.Mortgage is for personal use only. We’re not liable for business-related losses.
We will fix or compensate for device damage caused by defective digital content, unless avoidable by updates.
Making changes to this agreement
We may update these Terms for valid reasons. We’ll notify you in advance of major changes. If you disagree, you can close your account by emailing [email protected].
How to make a complaint
Email [email protected]. We aim to respond within 3 working days, or 15 calendar days for complex issues. You can escalate to the Financial Ombudsman Service if not resolved.
Other important terms
Afford.Mortgage may transfer these Terms. You need our consent to do so. These Terms are governed by English law. Disputes may be handled in the UK depending on your location. Terms are in English.
About us
Afford.Mortgage is a trading name of Klink App Limited. Company number: 15470987. Registered office: Labs Atrium, Chalk Farm Road, London, NW1 8AH.
Klink App Limited acts as agent of TrueLayer, authorised by the FCA (Ref No: 901096). Afford.Mortgage does not offer financial advice. Contact us at [email protected].
This policy was last reviewed on 23/04/2025.