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This material is directed at Debt Advisors in the UK who support mortgage customers of NRAM, Bradford & Bingley and Mortgage Express. Please note, this website is not intended for customers.

Please read our conditions of use carefully as by using the website you will be taken to have agreed to be bound by them. We reserve the right to vary the conditions of use at any time and will post any variations here. You are advised to review the conditions of use on a regular basis as you will be deemed to have accepted variations if you continue to use the website after they have been posted.

We take every care and precaution to ensure that information published on the website is accurate when posted and regularly updated, but we do not guarantee its accuracy and we may change the information at any time without notice.

We publish the website ’as is‘ without any warranty of any kind, express or implied, as to the operation of our site, the accuracy of the information referred to on the website (in so far as such warranties may be excluded under any relevant law) and we shall not be liable for any losses or damage that may result from use of the website as a consequence of any inaccuracies in, or any omissions from, the information which they may contain.

Images and brands are also protected by other intellectual property laws and must not be reproduced or appropriated in any manner without written permission of their respective owners. Unless specifically prohibited by a notice published on any page, you may make a print copy of such parts of the website as you may reasonably require for your own personal use provided that any copy has attached to it any relevant proprietary notices and/or disclaimers. All other use is prohibited.

We are not responsible for the content of any other website from which you have accessed the website or to which you may hyperlink from the website and cannot be held liable for any loss or damage you incur as a result thereof.

These conditions of use are governed by the laws of England and Wales and you agree that the English courts shall have exclusive jurisdiction in any dispute.

To the extent that any part of these conditions of use is found to be invalid, unlawful or unenforceable by any court of competent jurisdiction such part shall to that extent be severed from the remaining terms all of which shall remain in full force and effect as permitted by law.


Facts and figures

New content is continually added to this website. Therefore the site does contain historic articles. Please note that any statistics or figures referred to in the articles will have been correct as at the date of publish but may since have become out of date.