Last updated: [14th July 2026]

Please read these terms carefully before using this website or placing an order. By using this website you agree to the “Website Use” terms below. By placing an order you also agree to the “Sale” terms below. If you do not agree to these terms, please do not use this website or place an order.

1. Who we are

1.1. This website (the “Site”) is operated by Efficient Business Limited, a company registered in England & Wales under company number 15472930, whose registered office is at 10 Beech Court, Hurst, Reading, England, RG10 0RQ (“we”, “us”, “our”). “Mortgage Baby” is a trading name of Efficient Business Ltd.

1.2. You can contact us by email at [email protected] or by post at the registered office address above.

1.3. In these terms, “you” and “your” mean the person using the Site or placing an order. “Content” means everything made available on the Site — including text, graphics, videos, audio, artwork, guides, downloads and the look and feel of the Site — other than material you provide yourself.

2. Using the website

2.1. We grant you a limited, non-exclusive, non-transferable licence to access and use the Site and its Content for your own personal, non-commercial use.

2.2. You must not copy, reproduce, republish, download (except where we clearly make an item available for download to you), post, distribute, sell, or use any Content for commercial purposes without our prior written permission. Modifying or reusing Content for any other purpose may infringe our rights or those of third parties.

2.3. You agree not to use the Site: (a) in any unlawful, fraudulent or harmful way; (b) to transmit any virus or malicious code; (c) to attempt to gain unauthorised access to the Site, its servers, or any connected system; or (d) in any way that could damage, disable, or impair the Site or interfere with anyone else’s use of it.

2.4. We may withdraw, suspend, or restrict access to all or part of the Site, or refuse access to any person, at our reasonable discretion. We will try to give notice where practicable.

3. Intellectual property

3.1. All Content on the Site, and the trade names and trademarks used on it (including “Mortgage Baby” and the Mortgage Baby character and logo), are owned by or licensed to us and are protected by copyright, trademark and other laws. Nothing in these terms transfers any of those rights to you.

3.2. If you believe any Content infringes your intellectual property rights, please contact us at [email protected] with details of your work, how it is being infringed, the relevant URL, and any registration details, and we will review it.

4. Feedback and reviews

4.1. If you send us feedback, suggestions or ideas about the Site or our products, you grant us a royalty-free, perpetual licence to use them without restriction or any obligation to you. We are not obliged to keep any such submission confidential.

4.2. If you submit a review or testimonial, you confirm that it reflects your own genuine experience and that you have not been paid or incentivised to give it without us disclosing that. We may moderate, edit for length, or remove reviews and other user submissions at our discretion, including anything we consider unlawful, offensive, misleading or otherwise objectionable.

5. Our content is education, not financial advice

5.1. Mortgage Baby is not a licensed mortgage adviser or advisory service and offers mortgage education only. It provides general educational information about the home-buying and mortgage process so that you can be better prepared for your home-buying and mortgage journey — helping you understand the processes and timelines involved, and enabling you to make better, more informed decisions. It is not financial, mortgage, tax, or legal advice, and it is not a personal recommendation. Nothing on the Site or in our products should be relied on as advice about your individual circumstances.

5.2. Efficient Business Ltd is not currently authorised or regulated by the Financial Conduct Authority. Our content does not constitute regulated financial advice, and we do not arrange, advise on, or recommend specific mortgages or other regulated financial products.

5.3. Buying a home is a big step and will always require professional, qualified guidance from a licensed practitioner. Before making any financial decision, including taking out a mortgage, you should seek advice from a suitably qualified and, where relevant, FCA-authorised professional. Mortgages are secured on your home; your home may be repossessed if you do not keep up repayments.

5.4. While we take reasonable care to keep our content accurate and up to date, rules, rates, lender criteria and other details change, and we do not warrant that all information is complete or current at the time you read it.

6. Products and pricing

6.1. We sell digital products (such as our guide and audiobook) and physical products (such as calendars, pens and mugs), together with bundles of these. Product descriptions and images are provided to give a fair impression but small variations may occur, particularly with physical items.

6.2. Prices are shown on the relevant product or checkout page and are in pounds sterling (GBP). We take reasonable care to ensure prices are correct, but if we discover an error in the price of an item you have ordered, we will contact you to confirm whether you wish to continue at the correct price before processing your order.

6.3. Where a bundle or promotional price is offered, the terms of that offer (including what is included and any time limit) will be stated at the point of sale. Any “free” item included in a bundle has no separate cash value and is only free as part of that bundle.

7. Placing an order

7.1. Your order is an offer to buy from us. A binding contract is formed only when we send you an order confirmation (or, for digital products, when we make the product available to you), not simply when you submit payment details.

7.2. If we are unable to fulfil your order (for example, an item is unavailable or there was a pricing error), we will not process it and will refund any payment taken for that item.

8. Payment

8.1. Payments are processed by our third-party payment provider (Stripe). We do not store your full card details. Your use of the payment provider is subject to that provider’s own terms, and we are not responsible for problems caused solely by that provider or by your bank.

9. Delivery and access

9.1. Digital products. Digital products are delivered by download or online access, normally immediately or shortly after your payment is confirmed, via a link or account access. It is your responsibility to provide a correct email address and to be able to download or access the product.

9.2. Physical products. We will deliver physical products to the address you give at checkout. We aim to dispatch within a reasonable time and, in any event, to deliver within 30 days of your order unless we agree otherwise with you. Delivery timescales are estimates.

10. Your right to cancel (“cooling-off”)

This section sets out your legal cancellation rights as a consumer under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Please also see our separate Refund Policy for how refunds are handled in practice.

10.1. Physical products. You have the right to cancel your purchase of a physical product within 14 days of receiving it, for any reason. To cancel, tell us clearly (for example by email) within that period, then return the item to us within 14 days of telling us. You are responsible for the cost of return postage. We will refund the price you paid for the item together with the standard outbound delivery charge you originally paid — we do not refund any extra you chose to pay for a faster or upgraded delivery option, and we do not refund your return postage. You are entitled to open and inspect an item as you reasonably would in a shop, but if its value is reduced because you handled it more than was necessary to check it, we may reduce your refund to reflect that. We will refund you within 14 days of receiving the item back, or of you providing proof that you have sent it back. Where an item is faulty or misdescribed, your rights under clause 11 apply and you will not be charged for return postage.

10.2. Digital products — important. For downloadable or instantly-accessible digital products, you normally also have a 14-day cancellation right. However, by purchasing a digital product and choosing to access or download it immediately, you expressly consent to us providing it before the 14-day cancellation period ends, and you acknowledge that you will lose your right to cancel and receive a refund once download or access has begun. You will be asked to confirm this at checkout.

10.3. Bundles. Where you buy a bundle containing both digital and physical items, the digital element is treated under clause 10.2 and the physical element under clause 10.1.

11. Faulty or misdescribed products

11.1. Your legal rights under the Consumer Rights Act 2015 are not affected by anything in these terms. In summary, products we supply must be of satisfactory quality, fit for purpose and as described. Digital content must also meet these standards.

11.2. If a product is faulty, not as described, or does not do what it is supposed to, you may be entitled to a repair, replacement, price reduction or refund, depending on the circumstances. Nothing in these terms limits those rights. Please contact us and we will put it right.

12. Refunds

12.1. Refunds are handled in line with the cancellation rights in clause 10, your statutory rights in clause 11, and our separate Refund Policy. Where a refund is due, we will make it using the same payment method you used, without undue delay.

13. Communications from us

13.1. We may send you service and transactional messages (such as order confirmations, download links, and information about your purchase) by email. You agree to receive these electronically.

13.2. We will only send you marketing messages where you have given us consent to do so, and you can withdraw that consent or unsubscribe at any time. How we handle your personal data is explained in our Privacy Policy.

14. Third-party services and links

14.1. The Site may rely on, or link to, third-party services and websites (for example payment, hosting, and messaging providers). We are not responsible for the content or performance of third-party services, and your use of them is governed by their own terms. Links to third-party sites are provided for convenience and are not an endorsement.

15. Disclaimers

15.1. The free information and Content on the Site is provided “as is” and for general information only. To the extent permitted by law, we make no warranties about its accuracy, completeness, or suitability for your particular needs, and we do not warrant that the Site will be uninterrupted, secure, or error-free.

15.2. Nothing in this section affects the statutory rights you have when you buy a product from us (see clauses 10 and 11), which cannot be excluded.

16. Our liability to you

16.1. Nothing in these terms limits or excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) any breach of your statutory rights as a consumer; or (d) anything else that cannot lawfully be limited or excluded.

16.2. Subject to clause 16.1, we are not liable for losses that were not foreseeable, losses not caused by our breach, or business losses (we supply to consumers for personal use only; if you use our products for any commercial purpose we have no liability to you for loss of profit, loss of business, business interruption, or loss of business opportunity).

16.3. Subject to clause 16.1, our total liability to you in connection with any product is limited to the amount you paid for that product.

17. Your responsibility for misuse

17.1. If you use the Site or Content in breach of these terms, or unlawfully, you are responsible for any reasonable losses, costs or claims we suffer as a direct result of that misuse. This does not apply to anything you do as an ordinary consumer within your legal rights.

18. Privacy and cookies

18.1. We process personal data in accordance with our Privacy Policy and use cookies and similar technologies in accordance with our Cookie Policy. Please read both. By using the Site you acknowledge that we process your data as described in the Privacy Policy.

19. Changes to these terms

19.1. We may update these terms from time to time by posting the revised version on this page, with a new “Last updated” date. The terms that apply to your order are those in force at the time you place it. For website use, your continued use of the Site after changes are posted means you accept the updated terms.

20. General

20.1. If any provision of these terms is found to be unlawful or unenforceable, the rest remain in full force. Our failure to enforce any right is not a waiver of that right.

20.2. These terms are between you and us. No other person has any right to enforce them, except that our group companies may enforce clauses that are stated to benefit them.

21. Governing law and jurisdiction

21.1. These terms are governed by the law of England and Wales. The courts of England and Wales have non-exclusive jurisdiction, so you may bring a claim to enforce your consumer rights in England and Wales. If you live in Scotland, you may also bring proceedings in Scotland; if you live in Northern Ireland, you may also bring proceedings in Northern Ireland.

22. How to contact us

22.1. Email: [email protected] ·  Post: Efficient Business Limited, 10 Beech Court, Hurst Reading, RG10 0RQ