Terms of Business
Please read these terms to understand our limited role as an introducer and what happens when we refer an enquiry to an authorised broker.
Last updated: 9 November 2026
1. About The Money Advice Centre
The Money Advice Centre Ltd is registered in England and Wales under company number 14186998. Our registered office is 7 St. Petersgate, Stockport, SK1 1EB. We are an Introducer Appointed Representative (IAR) of FCA-authorised firms and appear on the Financial Services Register under reference 1003359. We are not directly FCA-authorised to provide financial advice or lending services.
2. Our role and services
We provide information about our introduction service and introduce interested homeowners to FCA-authorised brokers who may be able to assist with secured lending enquiries, including debt consolidation and home improvements. We do not recommend particular credit products, assess suitability, negotiate credit agreements, provide regulated financial advice, make lending decisions or lend money. The authorised broker is responsible for its own assessment, explanations and any regulated activity.
3. How introductions work
When you submit an enquiry, we may contact you to confirm your requirements and, where appropriate, pass relevant information to an FCA-authorised partner to progress your enquiry. You are not obliged to proceed. The partner may contact you about your enquiry and will provide its own terms, privacy information and any required disclosures. An introduction does not guarantee acceptance, a particular interest rate or an offer of credit.
4. Fees and commission
Our introduction service is free of charge to you. If you proceed with a loan following an introduction, we may receive an introducer fee or commission from a partner. The authorised broker or lender will explain any fees it charges, and the costs of borrowing, before you decide whether to proceed. Any commission arrangements and their effects must be disclosed where required by applicable rules.
5. Information you provide
Please provide accurate, up-to-date information when making an enquiry and tell the authorised broker if your circumstances change. You should review documents and explanations provided by the broker or lender and ask them about anything you do not understand. Please do not provide sensitive financial documents unless requested through an appropriate secure channel.
6. Credit checks and applications
We do not carry out credit searches as part of our introduction service. An authorised broker or lender may need to undertake eligibility or credit checks, including soft or hard searches, as part of its own process. That firm is responsible for explaining the type of search, its potential impact and any applicable permissions before it is undertaken.
7. Personal information
We process and share information to handle enquiries and make introductions as described in our Privacy Policy. We are registered with the Information Commissioner’s Office under data protection registration number ZB432317. Our Privacy Policy explains our lawful bases, service providers, data retention, individual rights and contact details.
8. Ending an enquiry and credit agreement rights
You may ask us to stop progressing an enquiry at any time by contacting us. This does not automatically cancel any agreement or application you have entered into with a broker or lender. Any statutory withdrawal or cancellation rights relating to credit agreements are explained by the relevant authorised firm and depend on the agreement and applicable law.
9. Complaints
If you are unhappy with our introduction service, please contact us at info@themoneyadvicecentre.com, telephone 01625 801209, or write to the Compliance Department at our registered office. We will review your complaint initially and notify the relevant authorised principal as required. See our Complaints Procedure for more information, including when referral to the Financial Ombudsman Service may be available.
10. Responsibility and liability
We aim to provide accurate information about our introduction service, but we do not guarantee the availability or outcome of lending. Decisions made by an authorised broker or lender are its responsibility. Nothing in these terms excludes or limits liability that cannot lawfully be excluded, including liability for fraud or any applicable statutory consumer rights.
11. Governing law
These terms are governed by the law of England and Wales. This does not affect any mandatory consumer protections or jurisdictional rights that apply to you.
12. Changes to these terms
We may update these terms as our services or legal obligations change. The latest version will be published on this website. Any material changes affecting an existing arrangement will be communicated where required.