Terms and Conditions

Please read these terms carefully before using our website or services.

1. Introduction

These Terms and Conditions (“Terms”) govern your use of the James Perry Capital website (www.jamesperrycapital.co.uk) and the services provided by James Perry Capital Ltd (“we”, “us”, “our”). By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website.

James Perry Capital Ltd is authorised and regulated by the Financial Conduct Authority (FCA), Firm Reference Number: 123456. Registered in England and Wales, Company No. 12345678. Registered Office: 7 The Pantiles, Tunbridge Wells, Kent, TN2 5TN.

2. Use of Website

You may use our website for lawful purposes only. You must not use our website:

  • In any way that breaches any applicable local, national, or international law or regulation.
  • In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
  • To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material.
  • To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

We reserve the right to restrict or terminate your access to the website at any time without notice if we believe you have breached these Terms.

3. Services

James Perry Capital Ltd provides specialist property finance services including, but not limited to, residential mortgages, buy-to-let finance, commercial property finance, bridging finance, and development finance.

The information provided on this website is for general informational purposes only and does not constitute financial advice. All lending is subject to status, valuation, and underwriting criteria. The provision of any loan or financial product is subject to a formal application, credit assessment, and the terms of the specific product agreement.

Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

4. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and data compilations, is the property of James Perry Capital Ltd or its content suppliers and is protected by United Kingdom and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent, except as permitted by applicable law.

5. Limitation of Liability

To the fullest extent permitted by applicable law, James Perry Capital Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

  • Your access to or use of (or inability to access or use) the website.
  • Any conduct or content of any third party on the website.
  • Any content obtained from the website.
  • Unauthorised access, use, or alteration of your transmissions or content.

Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

6. Privacy

Your privacy is important to us. Our collection and use of personal data is governed by our Privacy Policy, which forms part of these Terms. By using our website, you consent to the processing of your personal data as described in our Privacy Policy and you warrant that all data provided by you is accurate and up to date.

7. Third Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by James Perry Capital Ltd. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities or their websites. You acknowledge and agree that James Perry Capital Ltd shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales. Nothing in these Terms affects your statutory rights as a consumer.

9. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our website after those revisions become effective, you agree to be bound by the revised Terms.

10. Contact Information

If you have any questions about these Terms, please contact us:

Last updated: February 2026