Refer a Friend Terms and Conditions

1. This offer is open to everybody resident in the United Kingdom who refer friends or family (Referred
   Friend) to The Mortgage Mole for mortgage advice.
2. The Referrer must:
   • Have obtained explicit consent from the Referred Friend for their details to the referral and the
     passing of their contact details to The Mortgage Mole.
   • Have obtained explicit consent for The Mortgage Mole to contact the Referred Friend on the contact
     details provided.
   • Not refer themselves.
   • Meet all the qualifying criteria and other clauses in these Refer-A-Friend Terms and Conditions.
3. The Referred Friend must:
   • Have completed a fact find with a member of The Mortgage Mole advice team.
   • Have a Mortgage Completion with The Mortgage Mole.
   • Meet all the qualifying criteria and other clauses in this Refer-A-Friend Terms and Conditions.

Re-referrals are only valid if the Referred Friend isn't an existing client or prospect – i.e. someone
already known to The Mortgage Mole

1. Rewards for Mortgages will only be paid on mortgage completions with a borrowing amount over
   £150,000.
2. To achieve the Insurance Policy Referral Reward, the ‘referred’ must apply and complete on an
   overall monthly premium of £35 or more.
3. The range of Insurance Policies that will qualify for the Insurance Referral Reward are:
   • Life Insurance
   • Critical Illness
   • Income Protection
4. House Insurance referrals do not qualify for a reward.
5. Will referrals do not qualify for a reward.
6. A joint application is one Referred Friend.

1. Referrer(s) that reside outside of the United Kingdom.
2. Referred Friend(s) that reside outside of the United Kingdom.
3. Employees of The Mortgage Mole are not eligible to receive the vouchers outlined in these terms.

1. If all the conditions above are met, then the Referrer will receive a £50 Amazon voucher.
2. Vouchers will be issued within 30 days of Amazon being formally notified of the Mortgage Completion from the mortgage lender.
3. The Referrer will be notified using the registered email held by The Mortgage Mole.
4. Use of the Amazon voucher is subject to Amazon's own gift voucher Terms and Conditions.
5. Vouchers must be kept safely and securely. The Mortgage Mole cannot accept responsibility for any loss incurred because of theft, impersonation or identity fraud.
6. The voucher is non-exchangeable, non-transferable, and is not redeemable for cash or other prizes.

1. There’s no limit to the number of Referred Friends a Referrer can refer.
2. The Mortgage Mole accepts no responsibility for being unable to offer a service to the Referred Friend.
3. In the event of any disputes regarding the Refer-A-Friend scheme, the decision of (The Mortgage Mole) is final.
4. The Mortgage Mole reserves the right to change the terms and conditions of this offer by amending these terms and conditions or withdraw this offer at any time.