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Privacy Policy

  1. Introduction

These Terms & Conditions govern your use of the website operated by Blue Sky Financial Group Ltd (“we”, “us”, “our”) and your relationship with us as a customer.

By accessing our website or using our services, you agree to be legally bound by these Terms & Conditions. If you do not agree, you must not use our website or services.

  1. Company Details

Company Name: Blue Sky Financial Group Ltd
Registered Address: 108 Beckenham Road, Beckenham, BR3 4RH
FCA Registration Number: 827075
Data Controller: GDPR@blueskymortgages.co.uk

Blue Sky Financial Group Ltd is authorised and regulated by the Financial Conduct Authority (FCA).

  1. Our Services

We provide:

  • Mortgage advice
  • Remortgage advice
  • Buy to let mortgage advice
  • Protection and insurance advice

All advice is provided based on the information you supply to us. Mortgage and insurance products are subject to lender and insurer criteria.

We act as a credit broker, not a lender.

  1. Regulated Advice & Consumer Duty

We operate in accordance with:

  • FCA Principles for Businesses
  • FCA Conduct of Business Sourcebook (COBS & MCOB)
  • Consumer Duty

We always act:

  • In good faith
  • In your best interests
  • With transparency, fairness and professionalism

  1. Fees & Commission

Mortgages and insurance products may pay commission to us from the lender or insurer.

Some services may involve a broker fee, which will be:

  • Disclosed to you in writing beforehand
  • Confirmed in your Initial Disclosure Document (IDD)

You will never be charged without your agreement.

  1. No Guarantee of Acceptance

Submitting an enquiry or application does not guarantee:

  • Mortgage approval
  • Insurance acceptance
  • Specific interest rates

All applications are subject to:

  • Lender underwriting
  • Credit checks
  • Valuation
  • Proof of income and identity

  1. Use of the Website

You agree that you will:

  • Use the website lawfully
  • Not misuse, hack, or interfere with the website
  • Not submit false or misleading information

We reserve the right to restrict or remove access to the website at any time.

  1. Intellectual Property

All content on this website, including:

  • Text
  • Logos
  • Graphics
  • Layout
  • Branding

Is the intellectual property of Blue Sky Financial Group Ltd and may not be copied, reproduced or redistributed without written consent.

  1. Data Protection & Privacy

We process personal data in accordance with:

  • UK GDPR
  • Data Protection Act 2018
  • PECR

Full details are available in our:

  1. Marketing Communications

Marketing communications are only sent where:

  • You have provided explicit consent, or
  • A lawful PECR exemption applies

You may withdraw your consent at any time.

  1. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for:

  • The content of external websites
  • Their data protection policies
  • Their availability

You visit external links at your own risk.

  1. Limitation of Liability

We are not liable for:

  • Website downtime
  • Temporary service interruptions
  • Loss caused by events outside our control


Nothing in these Terms limits our liability for:

  • Death or personal injury caused by negligence
  • Fraud
  • Any liability that cannot be excluded by law

  1. Complaints Procedure

If you wish to make a complaint, please contact us in the first instance.

If your complaint is not resolved, you may refer it to:

Financial Ombudsman Service (FOS)
Website: financial-ombudsman.org.uk
Telephone: 0800 023 4567

  1. Termination of Services

We reserve the right to:

  • Decline an enquiry
  • Terminate our relationship
    Where we believe there is:
  • Financial crime risk
  • Fraud
  • Regulatory breach
  • Abusive or threatening behaviour

  1. Amendments to These Terms

We may update these Terms & Conditions at any time. The latest version will always be published on our website.

  1. Governing Law

These Terms & Conditions are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.

  1. Contact Details

For all legal, compliance or data protection matters:

Blue Sky Financial Group Ltd
108 Beckenham Road, Beckenham, BR3 4RH
GDPR@blueskymortgages.co.uk

This Terms & Conditions Policy Covers:

✔ FCA regulation
✔ Consumer Rights Act 2015
✔ Financial Services & Markets Act
✔ Electronic Commerce Regulations
✔ Distance Marketing Regulations
✔ UK GDPR