Last updated: 28/09/2026

These Terms and Conditions govern participation in the Mortgage Adviser Directory Mortgage Affiliate Programme (the “Programme”). By applying to or participating in the Programme, you agree to be bound by these Terms.

1. Definitions

Mortgage Adviser Directory, MAD, we, us, our means Mortgage Adviser Directory Ltd.

Affiliate, you, your means an individual or business approved to participate in the Programme.

Paid Lead-Generation Partner means an Affiliate that uses paid advertising, purpose-built acquisition campaigns or other approved methods primarily intended to generate enquiries for Mortgage Adviser Directory.

Get Matched Lead Form means a Mortgage Adviser Directory mortgage or property-finance matching enquiry form designed to connect users with suitable advisers.

Lead means an individual who submits an enquiry via an eligible Get Matched Lead Form using a valid Affiliate tracking link.

Valid Lead means a genuine enquiry from an identifiable individual who is actively seeking mortgage or property-finance advice and satisfies the requirements set out in these Terms.

Commission means the referral fee payable for each Valid Lead.

Duplicate Lead means an enquiry that meets the duplicate criteria set out in section 5.

Approved Campaign means a paid advertising or lead-generation campaign that Mortgage Adviser Directory has authorised an Affiliate to use for the Programme.

2. Programme Overview

The Programme allows Affiliates to earn Commission by referring individuals to Mortgage Adviser Directory using approved Affiliate tracking links.

Unless otherwise agreed in writing, Affiliates earn a fixed Commission of £5 (five pounds sterling) for each Valid Lead submitted via an eligible Get Matched Lead Form and approved by Mortgage Adviser Directory.

The Programme operates on a lead-generation basis. Commission is not dependent upon the consumer completing a mortgage or other finance transaction, making an application, engaging an adviser or obtaining finance.

Different Commission rates may be agreed in writing for particular Affiliates, campaigns, enquiry types or volumes. No enhanced or alternative rate applies unless expressly agreed by Mortgage Adviser Directory.

3. Eligibility and Approval

Participation in the Programme is subject to approval by Mortgage Adviser Directory.

Affiliates must be aged 18 or over and, where operating as a business, legally entitled to conduct their activities in the jurisdictions in which they operate.

Affiliates must comply with all applicable laws, regulations, advertising standards and data protection requirements.

Mortgage Adviser Directory may carry out reasonable due diligence before or during an Affiliate’s participation in the Programme.

This may include requesting information about:

• the Affiliate’s identity and business;
• company registration details;
• website and online presence;
• traffic and customer-acquisition sources;
• intended promotional methods;
• expected enquiry volumes;
• advertising platforms;
• landing pages and advertising materials;
• use of third-party publishers, agencies or subcontractors;
• data collection and processing; and
• previous experience of lead generation or financial-services marketing.

Affiliates must provide accurate information and notify Mortgage Adviser Directory of any material change to information previously supplied.

Mortgage Adviser Directory may accept, decline, suspend or terminate participation in the Programme where reasonably necessary to protect consumers, advisers, the Programme or Mortgage Adviser Directory.

4. Eligible Leads and Tracking

Only enquiries submitted through eligible Mortgage Adviser Directory Get Matched Lead Forms are eligible for Affiliate Commission unless another arrangement has been expressly agreed in writing.

Enquiries submitted through individual adviser listing contact forms, direct adviser enquiry forms or other non-eligible forms are not normally eligible for Commission.

Affiliates are responsible for using the correct Affiliate tracking links.

Mortgage Adviser Directory’s tracking records will normally be used to determine Affiliate attribution.

Where tracking has demonstrably failed because of a technical issue under Mortgage Adviser Directory’s control, we may consider other reasonable evidence of attribution.

A tracking failure does not automatically entitle an Affiliate to Commission where attribution cannot reasonably be established.

5. Valid Leads and Duplicate Enquiries

A Lead will normally qualify as a Valid Lead where:

• the individual is a genuine person;
• the individual has intentionally requested mortgage or property-finance advice;
• the enquiry relates to a service supported by Mortgage Adviser Directory;
• the individual has provided the contact information required by the applicable form;
• the information provided is materially accurate to the best of the individual’s knowledge;
• the enquiry was generated through a permitted traffic source;
• the enquiry was not generated fraudulently, automatically or solely for the purpose of earning Affiliate Commission; and
• the Lead is not a Duplicate Lead.

A Lead does not need to result in an application, adviser appointment, mortgage completion or other transaction to qualify as a Valid Lead.

A Lead will not be rejected solely because the individual subsequently:

• decides not to proceed;
• does not obtain finance;
• does not meet a lender’s criteria;
• does not complete a mortgage or other transaction; or
• cannot subsequently be contacted after having submitted a genuine enquiry with materially valid contact information.

Duplicate Leads

Unless otherwise agreed for a particular campaign, a Lead will normally be treated as a Duplicate Lead where the same individual has submitted substantially the same finance requirement to Mortgage Adviser Directory during the preceding 90 days.

An enquiry from the same individual may nevertheless be treated as a new Valid Lead where it relates to a materially different finance requirement.

For example, a subsequent commercial mortgage or bridging finance enquiry may be treated separately from an earlier residential mortgage enquiry where the circumstances and finance requirement are genuinely different.

Mortgage Adviser Directory will determine duplicate status reasonably using the information available to it.

6. Lead Validation and Rejections

All Leads are subject to reasonable validation checks.

Mortgage Adviser Directory will normally validate Leads within 14 days of submission.

Where a Lead has not been rejected within that period, it will normally be treated as approved for Commission purposes, except where fraud, manipulation or another material breach of these Terms is subsequently discovered.

A Lead may be rejected for reasons including:

Duplicate – the Lead falls within the applicable duplicate period.

Fraudulent – information has been deliberately falsified or the enquiry is otherwise fraudulent.

Spam or Automated – the enquiry was generated using bots, scripts, automated submissions or similar methods.

Test – the enquiry was submitted for testing rather than as a genuine request for advice.

Invalid Contact Information – the contact information supplied is materially false or unusable.

No Genuine Intent – there is reasonable evidence that the individual did not genuinely request mortgage or property-finance advice.

Outside Scope – the enquiry concerns a product, service or geographical market not supported by the Programme.

Unauthorised Incentive – the individual was offered an unapproved financial or other incentive to submit the enquiry.

Prohibited Source – the Lead was generated through a traffic source prohibited under these Terms or the applicable campaign approval.

Compliance Breach – the Lead was generated through advertising, marketing or data-processing activity that materially breached these Terms or applicable law.

Where reasonably practicable, Mortgage Adviser Directory will make the reason for rejection available to the Affiliate.

Poor downstream conversion alone does not make an otherwise Valid Lead invalid.

However, consistently poor lead quality, contactability or adviser engagement may result in campaign limits, suspension or termination under section 13.

7. Commission and Payments

Unless otherwise agreed in writing, Affiliates earn £5 for each Valid Lead approved by Mortgage Adviser Directory.

There is no minimum payment threshold.

Payments are normally made using payment methods supported by the Affiliate platform, including bank transfer where available.

Approved Commissions are paid 7 days after the end of each calendar month for Valid Leads approved during the previous month.

Affiliates are responsible for any tax, National Insurance, VAT or other liabilities arising from payments received.

Mortgage Adviser Directory may agree different Commission rates for particular enquiry types, campaigns or Affiliates.

Any enhanced rate must be agreed in writing before the applicable Leads are generated and will not apply retrospectively unless expressly agreed.

8. Permitted Promotional Activities

Subject to these Terms and any campaign-specific restrictions, Affiliates may promote Mortgage Adviser Directory through:

• websites and blogs;
• editorial and educational content;
• social media;
• email communications to appropriately obtained and opted-in audiences;
• approved paid search advertising;
• approved paid social advertising; and
• other promotional channels expressly approved by Mortgage Adviser Directory.

All marketing must be accurate, transparent and compliant with applicable advertising, financial-promotion, consumer-protection and data-protection requirements.

Affiliates must make any disclosures required to identify Affiliate or paid promotional content clearly.

9. Prohibited Activities

Affiliates must not:

• submit or procure fake, fraudulent, test or automated Leads;
• use bots, scripts, click farms or other artificial traffic;
• incentivise consumers to submit enquiries without Mortgage Adviser Directory’s prior written approval;
• use spam or unsolicited marketing;
• misrepresent Mortgage Adviser Directory or its services;
• claim to be Mortgage Adviser Directory or an employee, agent or authorised representative of Mortgage Adviser Directory;
• imply a partnership, endorsement or relationship beyond the Affiliate relationship actually agreed;
• guarantee mortgage approval, finance, interest rates, savings or outcomes;
• create false urgency or misleading claims;
• use fabricated reviews, testimonials or endorsements;
• use misleading comparison results;
• use Mortgage Adviser Directory branding in a way that could reasonably cause consumers to believe an Affiliate website, advertisement or account is operated by Mortgage Adviser Directory;
• purchase, resell or broker Leads for submission to Mortgage Adviser Directory without prior written approval;
• use cookie stuffing or other artificial attribution methods; or
• deliberately interfere with or circumvent Affiliate tracking, validation or campaign controls.

10. Paid Advertising and Lead-Generation Partners

Affiliates primarily using paid advertising or purpose-built acquisition campaigns may be designated as Paid Lead-Generation Partners.

Paid Lead-Generation Partners require prior written approval before launching a campaign.

Mortgage Adviser Directory may require approval of:

• advertising platforms;
• keywords or targeting strategies;
• advertisements and creative materials;
• landing pages;
• consumer journeys;
• Affiliate disclosures;
• proposed enquiry volumes; and
• tracking arrangements.

Approval by Mortgage Adviser Directory relates only to participation in the Programme and permitted use of Mortgage Adviser Directory’s name, brand, links and campaign materials.

It does not constitute regulatory approval of a financial promotion, legal advice or confirmation that an Affiliate has satisfied its own regulatory obligations.

Paid Lead-Generation Partners remain responsible for ensuring their activities comply with all laws and regulatory requirements applicable to them.

Unless expressly agreed otherwise, Paid Lead-Generation Partners must direct consumers to an approved Mortgage Adviser Directory landing page or Get Matched Lead Form to submit their enquiry.

Brand Bidding

Affiliates must not bid on “Mortgage Adviser Directory”, confusingly similar variations, domain names or other protected brand terms in paid search advertising unless expressly authorised in writing.

Affiliates must not use Mortgage Adviser Directory’s name or domain in advertising display URLs, account names or other contexts that misleadingly suggest the advertisement is placed directly by Mortgage Adviser Directory.

11. Campaign Testing, Volumes and Limits

Mortgage Adviser Directory may apply campaign-specific volume limits to Paid Lead-Generation Partners.

Unless otherwise agreed, a new Paid Lead-Generation Partner will initially be approved for a test of up to 50 Valid Leads.

The initial test is intended to assess matters including:

• lead validity;
• consumer contactability;
• enquiry relevance;
• adviser acceptance;
• downstream engagement;
• complaints or compliance concerns; and
• the overall commercial sustainability of the campaign.

Reaching an agreed test or volume limit does not guarantee approval for additional volume.

Mortgage Adviser Directory may subsequently increase, reduce or remove a campaign limit following review.

Affiliates must not deliberately circumvent a campaign limit through additional Affiliate accounts, tracking links, campaigns or third parties.

Where reasonably practicable, Mortgage Adviser Directory will notify a Paid Lead-Generation Partner before materially reducing an agreed prospective campaign limit.

12. Sub-Affiliates and Third-Party Lead Sources

Affiliates must not use sub-affiliates, Affiliate networks, external lead suppliers, third-party publishers or other intermediaries to generate Leads for Mortgage Adviser Directory without prior written approval.

Where approval is granted, the Affiliate remains responsible for ensuring that approved third parties comply with these Terms and any campaign-specific requirements.

Mortgage Adviser Directory may request details of the source of any Lead and the customer journey through which it was generated.

Affiliates must not knowingly conceal or misrepresent the true source of traffic or Leads.

13. Lead Quality and Campaign Monitoring

Lead validity and lead quality are separate considerations.

A Valid Lead remains eligible for Commission merely because it subsequently fails to result in an application, transaction or completed mortgage.

However, Mortgage Adviser Directory may monitor aggregate campaign performance including:

• validity rates;
• contactability;
• adviser acceptance;
• consumer engagement;
• complaints;
• conversion indicators; and
• compliance issues.

Where a traffic source or campaign consistently produces materially poor-quality enquiries, Mortgage Adviser Directory may reduce volumes, require changes, suspend the campaign or terminate the Affiliate relationship.

Such action will apply prospectively and does not automatically invalidate previously approved Valid Leads.

14. Data Protection and Consumer Information

Affiliates must comply with UK GDPR, the Data Protection Act 2018, PECR where applicable, and any other data-protection requirements relevant to their activities.

Unless expressly authorised in writing, Affiliates must not collect, store or process personal data on behalf of Mortgage Adviser Directory.

Affiliates must not collect a consumer’s mortgage enquiry on their own form and subsequently transfer, sell or submit that information to Mortgage Adviser Directory unless a separate arrangement covering the proposed data processing, transparency, lawful basis, security and responsibilities of the parties has been agreed in writing.

Where an Affiliate independently collects personal information, the Affiliate is responsible for providing appropriate privacy information and establishing a lawful basis for its collection, use and disclosure.

Consumers referred directly to Mortgage Adviser Directory will have their enquiries processed in accordance with Mortgage Adviser Directory’s Privacy Policy.

15. Advertising and Financial Promotions

Affiliates are responsible for ensuring their advertising and promotional activities comply with all applicable laws, regulations and advertising codes.

Affiliates must not communicate a financial promotion where doing so would be unlawful.

Where an advertisement or other communication promotes regulated mortgage or financial services, the Affiliate is responsible for determining what regulatory requirements apply and for obtaining any necessary approval from an appropriately authorised person where required.

Mortgage Adviser Directory is not authorised or regulated by the Financial Conduct Authority and does not provide regulatory approval of third-party financial promotions.

Mortgage Adviser Directory may nevertheless require an Affiliate to amend or withdraw promotional material as a condition of continued participation in the Programme or continued use of Mortgage Adviser Directory’s name, brand or tracking links.

16. Records and Audit

Paid Lead-Generation Partners should retain reasonable records relating to Approved Campaigns, including advertising creative, landing pages and traffic sources.

Mortgage Adviser Directory may request reasonable evidence necessary to investigate:

• suspected fraud;
• complaints;
• data-protection concerns;
• advertising or regulatory concerns;
• unusual traffic patterns; or
• suspected breaches of these Terms.

Affiliates must cooperate reasonably with such investigations.

17. Suspension and Termination

Either party may terminate participation in the Programme at any time.

Mortgage Adviser Directory may immediately suspend an Affiliate, campaign, traffic source or tracking link where there is a reasonable concern relating to fraud, consumer harm, unlawful advertising, data protection, brand misuse or another material breach of these Terms.

Upon termination, the Affiliate must cease representing itself as participating in the Programme and cease using Mortgage Adviser Directory materials where requested.

Approved Valid Leads generated before termination will normally remain payable.

Mortgage Adviser Directory may withhold or reverse Commission relating to Leads reasonably determined to be fraudulent, invalid or generated through a material breach of these Terms.

18. Limitation of Liability

Mortgage Adviser Directory will not be liable for loss of anticipated earnings, profits or business resulting from:

• changes to the Programme;
• campaign limits;
• suspension or termination in accordance with these Terms;
• tracking interruptions or technical issues; or
• decisions made by consumers, mortgage advisers, lenders or other third parties.

Nothing in these Terms excludes or limits liability where it would be unlawful to do so.

Subject to the above, Mortgage Adviser Directory’s total liability arising in connection with the Programme will not exceed the total Commission paid to the Affiliate during the preceding 12 months.

19. Changes to the Programme

Mortgage Adviser Directory may amend these Terms, Commission rates or other aspects of the Programme.

Where reasonably practicable, material changes affecting existing approved campaigns will be communicated to affected Affiliates before they take effect.

Continued participation following the effective date of revised Terms constitutes acceptance of those Terms.

Changes to Commission rates will not retrospectively reduce Commission already earned on approved Valid Leads.

20. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction.