Terms of use

Compare My Rate is a trading style of Zeo Finance Ltd (“we”, “us”, “our”). Zeo Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA number 915386). Company registration number 10950796. Registered office: 604 London Road, Davenham, Northwich, Cheshire, CW9 8LW.

By accessing or using this website, you agree to these terms of use. If you do not agree, please do not use the site.

Compare My Rate helps you explore and compare mortgage products, use mortgage calculators, and request contact from an adviser where enquiry features are available. The website is intended to support informed exploration of mortgage options and access to mortgage advice through our regulated business where applicable.

Information shown on Compare My Rate (including rates, fees, product features, and illustrative payments) is provided for information and exploration. It is not a recommendation that any particular mortgage is suitable for you.

Product details, rates, fees, and availability can change at any time and may differ when you apply. Mortgage availability is always subject to lender criteria, affordability checks, and verification of your circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Calculator results are illustrative only. They depend on the information you enter and assumptions used by the calculator. They do not constitute an offer, quote, or guarantee of repayments, tax, or costs. Always confirm figures with your lender or adviser before making decisions.

Mortgage comparison, calculator, and enquiry features on this site are provided in part through embedded Twenty7Tec WebTools. Twenty7Tec supplies the embedded technology; your use of those tools is also subject to Twenty7Tec's own terms and operational behaviour within the embed.

We are not responsible for interruptions, errors, or changes in third-party tools beyond our reasonable control.

We do not guarantee that every mortgage product available in the market will be displayed, that you will be eligible for any product shown, that you will be accepted for a mortgage, or that any particular rate or deal will remain available.

The Compare My Rate website, branding, layout, and original content are owned by or licensed to us and protected by intellectual property laws. You may view and use the site for personal, non-commercial purposes in accordance with these terms.

You must not copy, scrape, reverse engineer, or misuse website content or embedded tools except as permitted by law.

You agree not to:

• use the website unlawfully or in a way that harms others;
• attempt to gain unauthorised access to our systems or third-party services;
• introduce malware, automated abuse, or excessive load on the website; or
• misrepresent your identity or circumstances when using enquiry features.

The website may include links to third-party websites or embedded services. We do not control third-party sites and are not responsible for their content, availability, or practices.

To the fullest extent permitted by law, we do not accept liability for loss or damage arising from your use of (or inability to use) this website, reliance on information displayed on it, or use of embedded third-party tools, except where such liability cannot be excluded under applicable law.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be limited by law.

We may update these terms from time to time. The “Last updated” date at the top of this page will change when we do. Continued use of the website after changes are posted constitutes acceptance of the updated terms.

These terms are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction, subject to any mandatory consumer protections that apply to you.