These Terms govern your access to and use of this website. By using it, you agree to them. If you do not agree, please do not use the site.

This is the most important section on this page.

Everything published here — guides, comparisons, checklists, examples, and commentary on residency routes, housing, banking, mortgages and tax — is general information for educational purposes only. It is not:

  • Legal advice
  • Immigration advice or representation
  • Tax or accounting advice
  • Investment, mortgage or financial advice
  • A recommendation to apply for, accept or decline any product, service or immigration route

We are not a law firm, are not authorised to provide immigration advice or representation, and do not provide regulated financial, mortgage or tax services.

Immigration, tax and borrowing decisions carry serious consequences, and the right course of action depends entirely on individual facts. Before acting, consult a qualified professional regulated in the relevant jurisdiction. Any decision you make based on information found here is your own responsibility.

2. Accuracy of information

Government fees, eligibility criteria, processing times, tax thresholds, lending criteria and provider terms change frequently and vary by nationality, country and circumstance.

  • We make reasonable efforts to publish accurate, current information and to review guides periodically.
  • We do not warrant that any content is complete, accurate, current or applicable to your situation.
  • Figures and examples are illustrative and are not quotes, offers or guarantees of any outcome, cost or approval.
  • Always verify details directly with the relevant authority, provider or a qualified professional before acting.

We make no representation about the likelihood of any application being approved.

This site may be funded by advertising and may include affiliate arrangements.

  • Advertising may be served by third-party networks. We do not control which specific ads appear, and their presence is not an endorsement.
  • Some outbound links may be affiliate links, meaning we may earn a commission if you click through and purchase. This costs you nothing extra.
  • Compensation never determines our editorial conclusions. Where a relationship could reasonably affect how you read a guide, we disclose it.

We link to government agencies, providers, lenders and other external websites. We do not control those sites, are not responsible for their content or practices, and provide links only for convenience.

5. Permitted use

You may read, print and share links to our content for personal, non-commercial use. You may not copy, republish, scrape or redistribute substantial portions without prior written permission; use automated systems that burden our infrastructure; frame or mirror our content; use the site for unlawful purposes; or attempt unauthorised access.

You may quote short extracts for commentary, review or news reporting with attribution and a link to the original.

6. Intellectual property

All content on the site is owned by us or our licensors and protected by copyright and other intellectual property laws. Nothing in these Terms transfers ownership to you. If you believe content infringes your copyright, contact us via our Contact page with details of the work and its location.

7. Availability

We aim to keep the site available but do not guarantee uninterrupted access. We may suspend, withdraw or restrict access for maintenance, technical or business reasons without notice.

8. Disclaimer of warranties

The site and its content are provided "as is" and "as available", without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy or non-infringement.

9. Limitation of liability

To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, the site or its content. This includes financial loss, loss of profit or opportunity, visa refusal, penalties, filing errors, declined credit, and any indirect or consequential loss.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded.

10. Indemnity

You agree to indemnify us against any claims, losses or costs arising from your breach of these Terms or your misuse of the site.

11. Privacy

Your use of the site is also governed by our Privacy Policy.

12. Changes to these Terms

We may revise these Terms at any time. The revised version takes effect when posted and the "Last updated" date will change.

13. Governing law

These Terms are governed by the laws of England and Wales, and disputes are subject to the exclusive jurisdiction of its courts, except where mandatory local consumer protection law gives you the right to bring proceedings in your own country.

14. Contact

Questions about these Terms: see our Contact page.