What this website provides
HomeBuyerGuide.co.uk is a consumer information website owned by Prudent Plus Limited. It explains parts of researching, buying, insuring and moving home and links to outside sources and an insurance-comparison service. You may use the public guides for personal, lawful purposes.
Reading the site does not create a professional-client relationship. Prudent Plus Limited does not act through this website as an estate agent, conveyancer, surveyor, mortgage lender or insurer. Property systems differ across England, Wales, Scotland and Northern Ireland, so a page describing one system should not be assumed to apply unchanged elsewhere.
References to a buyer, seller or homeowner include people buying alone or with others and people acting through an authorised representative. Headings and checklists are provided for convenience; they do not expand the service or override the fuller explanation on the page.
Use the information with your own advisers
The guides are general and cannot take account of one contract, building, household or financial position. Your conveyancer should advise on title, searches, the contract and commitment date. A surveyor should advise on condition. Mortgage and insurance questions should be put to the relevant lender, broker, adviser or insurer.
We take care over the material but cannot promise that every page is complete, error-free or current for an unusual transaction. Rules, products and external pages change. Check an important decision with an official source or the professional responsible for that part of the purchase.
The home-insurance comparison link
Prudent Plus Limited is an introducer appointed representative of Seopa Ltd. Seopa Ltd, trading as Quotezone, provides the insurance-comparison service and is authorised and regulated by the Financial Conduct Authority under reference 313860.
Selecting a comparison link takes you to Quotezone’s service. Its terms and privacy notice apply there. Prudent Plus Limited may receive commission when a policy is bought through the link. We do not make a personal recommendation about which result to choose. Read the answers, cover, excesses and exclusions before buying. A comparison service may not include every insurer in the market.
A displayed quotation is based on the information supplied and may change when details are checked. HomeBuyerGuide.co.uk cannot alter the result, accept an application or decide a claim. Questions about a proposed policy should be put to the provider identified during the quotation process.
Accuracy, links and availability
Outside links are provided because they may help. The linked organisations control their own information and services. A link does not mean that they approve HomeBuyerGuide.co.uk, and we are not responsible for an outside site’s availability or everything it publishes.
The website may be unavailable during maintenance, technical faults or events outside our control. Pages may be corrected, added or removed without notice. If you spot a factual error or broken link, please send the page title and the point that needs checking.
Copyright and acceptable use
You may print a reasonable number of pages for your own purchase and share ordinary links. Unless stated otherwise, the original words, layout and design belong to Prudent Plus Limited. Third-party names and quoted material remain the property of their owners.
Do not damage the service, bypass security, introduce malicious code, scrape it at a disruptive level, republish substantial parts as your own or use the material to mislead another person. Normal search-engine indexing, subject to technical instructions, does not grant permission to copy and republish the site.
Liability, consumer rights and governing law
We do not exclude responsibility where the law does not allow exclusion. Subject to that, Prudent Plus Limited is not responsible for a decision made solely from general editorial material, for inaccurate information supplied by another organisation, or for the operation of an external service. Insurance contracts and claims are matters for the customer and the relevant provider or insurer.
These terms are governed by the law of England and Wales. Consumers in Scotland or Northern Ireland may have rights to bring a dispute in their home jurisdiction. Nothing here removes statutory consumer rights. Questions can be sent to askprudent@sent.com or to the postal address in the footer.
If one part of these terms is found unenforceable, the remaining parts continue to apply so far as the law permits. A delay in enforcing a right does not necessarily mean that the right has been given up.