Share the Love — Referral Programme Terms and Conditions

Version 1.1 · Last updated: 18 August 2026

These terms and conditions govern the NexMoney “Share the Love” referral programme (the “Programme”). By taking part in the Programme you agree to these terms. NexMoney is a trading style of NexMoney Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

1. The promoter

The Programme is operated by NexMoney Ltd, Avalon, 26-32 Oxford Road, Bournemouth, Dorset, BH8 8EZ, registered in England & Wales under company number 11454479 (“we”, “us”, “NexMoney”).

2. Who can take part

• You must be aged 18 or over and resident in the United Kingdom.
• You must be an existing or former client of NexMoney, or a person who has had a mortgage or protection consultation with us.
• Employees, advisers and contractors of NexMoney Ltd and their immediate families are not eligible to receive a reward.
• The person you refer (the “referred client”) must be aged 18 or over, resident in the United Kingdom, and must not already be a client of NexMoney or have contacted us within the previous six months.

3. How to make a referral

You may refer someone by giving us their name and contact details by telephone, email or through our contact form, or by asking them to give your name when they contact us. You must obtain the referred client’s permission before passing their details to us. We will only use those details to make contact about mortgage or protection advice, and we will handle them in accordance with our Privacy Policy. If a referred client asks us not to contact them again, we will not do so.

Making a referral does not oblige the referred client to use our services, and they are under no obligation at any point.

4. The reward

• Where a referral qualifies, both you and the referred client will each receive £50 worth of retail vouchers.
• A referral qualifies once the referred client’s mortgage, arranged by NexMoney, has completed — that is, funds have been released by the lender.
• The reward is not payable where a case does not complete, is withdrawn, is declined by the lender, or where the referred client cancels within any applicable cancellation period.
• Only one reward is payable per completed referred mortgage, regardless of how many people claim to have made the referral. Where more than one person claims the same referral, we will pay the person the referred client identifies.
• Vouchers will be issued within 30 days of completion, to the email or postal address we hold for you.
• The reward has no cash alternative and cannot be exchanged for cash. We may substitute vouchers of an equivalent value from a different retailer if our usual voucher provider is unavailable.
• The reward is a gift from NexMoney. It does not affect, reduce or increase any fee payable by you or by the referred client, and it does not influence the advice given to the referred client.

5. Advice is unaffected by the Programme

Any advice we give to a referred client is based solely on that client’s own circumstances, needs and objectives. The existence of a referral, or of a reward payable to you, has no bearing on the recommendation made, on the lender or product selected, or on any fee charged. A referred client will receive the same disclosure documents, fee information and advice process as any other client.

6. Tax

Any tax liability arising from receipt of a voucher is your own responsibility. NexMoney does not provide taxation advice. If you are unsure of your position, please speak to a suitably qualified tax adviser or accountant.

7. Changes and withdrawal

We may change these terms or withdraw the Programme at any time, without notice. Any referral made before the date of a change or withdrawal will be honoured under the terms in force at the time the referral was made, provided the referred client’s mortgage completes within six months of that date.

We may decline to pay a reward where we reasonably believe the Programme has been abused, including where referrals are fabricated, where details have been supplied without the referred client’s permission, or where the Programme is being used for commercial lead generation.

8. Data protection

We process personal data supplied under the Programme in accordance with UK GDPR and the Data Protection Act 2018. NexMoney Ltd is registered with the Information Commissioner’s Office under reference ZA785790. Full details of how we handle personal data, and of your rights, are set out in our Privacy Policy. You may complain to the Information Commissioner’s Office at ico.org.uk if you are unhappy with how we have handled your data.

9. Complaints

If you are unhappy with any aspect of the Programme, please contact us at info@nexmoney.co.uk or on 01202 802 677. Complaints relating to regulated mortgage or insurance advice are handled under the complaints procedure of Stonebridge Mortgage Solutions Ltd, and you may be able to refer such a complaint to the Financial Ombudsman Service.

10. General

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction. The Programme is a promotional arrangement and is not a regulated product or service.

Typically, we charge a fee of £375 for arranging a mortgage but will also depend on your circumstances. The fees may be waived subject to the terms of the fee waiver agreement.