Refund & Cancellation Policy

This policy explains when you can cancel a consultancy engagement with PMO Properties Limited and receive a refund. It forms part of our Terms of Service.

1. 14-day cancellation right (UK consumers)

If you are a consumer resident in the UK or EU, you have the right to cancel the contract within 14 days of purchase without giving a reason. To cancel, email info@ukhomes.co with your invoice number and the words "I cancel". We will refund all payments received within 14 days of receiving your cancellation, using the same payment method.

Important: if you ask us to begin services during the 14-day period, you agree that you lose the right to cancel once the service is fully performed. If we have begun but not completed work, we may deduct a proportionate amount for services already delivered.

2. Cancellation after the 14-day period

• Before we begin work — full refund, minus a £75 administration fee.
• After work has begun — a pro-rated refund for work not yet delivered, calculated in good faith.
• After milestones are delivered (e.g. shortlist, viewings arranged, reservation coordinated) — fees for completed milestones are non-refundable.

3. Third-party costs

Fees paid by us on your behalf to third parties (solicitors, surveyors, translators, mortgage brokers, government bodies) are non-refundable once incurred, regardless of cancellation. We will always confirm such costs with you in writing before committing them.

4. Refund method and timing

Refunds are issued to the original payment method — Stripe for card payments, Wise for bank transfers — within 14 days of approval. Your bank may take an additional 3–10 business days to credit your account. Currency-conversion differences between the original charge and refund are not covered.

5. Cancellation by us

We may cancel an engagement if we cannot complete AML checks, if we discover a conflict of interest, or if you breach our Terms. Where we cancel for reasons that are not your fault, we refund all fees for work not yet delivered.

6. Chargebacks

Please contact us first before raising a chargeback with your card issuer — most disputes are resolved faster by email. Chargebacks filed while a good-faith refund is already in progress may be defended with evidence of the agreed engagement.

7. Contact

Refund requests and questions: info@ukhomes.co, or by post to PMO Properties Limited, 284 Chase Road, A Block 2nd Floor, London, N14 6HF.