Terms of Service

By accessing or using HomeThink (“the Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not use the Service.

“HomeThink” is the name of the Service. The Service is operated by Mather Software Ltd (“we”, “us”, or “our”), a company registered in England and Wales, based in the United Kingdom. Where these Terms give rights to, or impose obligations on, the operator, they are the company's — a trading name has no legal personality of its own. These Terms constitute a legally binding agreement between you and Mather Software Ltd. The law they are governed by is set out in §12.1.

• Mather Software Ltd
• Registered in England and Wales, company number 17443861
• View on Companies House (opens in a new tab)

You can read who builds HomeThink, which official datasets it uses and what it deliberately does not claim to be on the About page. Contact: support@mathersoftware.com.

HomeThink is an AI-powered property research assistant for UK home buyers and renters. It gathers public information about a property you ask it about, reads it with an AI system, and shows you what it found together with that system's opinion of it. It does not decide anything for you, and it does not act on your behalf. The Service provides:

• AI analysis of property listings you send us from supported property portals
• Red flag and green flag identification
• Estimated values derived from public sold-price evidence, and neighbourhood intelligence
• Indications of possible survey risks, and points you may wish to raise in a negotiation
• Interactive chat with AI about properties (HomeThink Pro; see 4.1)
• Enrichment data including crime statistics, flood risk, council tax, and local amenities

Every output of the Service is information for you to weigh and verify, not a recommendation to buy, to offer a particular amount, or to enter into any contract.

Pro features require an active HomeThink Pro subscription.

3.1 Account Creation

To use HomeThink, you must create an account by providing a valid email address. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Security

You are responsible for all activity that occurs under your account. Notify us immediately at support@mathersoftware.com if you suspect unauthorised access to your account.

3.3 Eligibility

You must be at least 18 years old to use HomeThink. By using the Service, you represent that you meet this age requirement.

4.1 Free Analysis

Every listing you submit receives a free analysis — a Free report with its flags, score and the underlying property data — subject to a fair-use allowance of 5 per day. A free account also lets you save reports and re-read, print and share them. Pro reports and AI chat about a report require a subscription (see 4.2). You can read a complete example Pro report at any time, without an account, at homethink.co.uk/pro/sample.

AI chat about a property report was previously available on free accounts, subject to a daily message allowance. From 30 August 2026 it forms part of HomeThink Pro and requires an active subscription, including for accounts created before that date. Messages you have already sent remain readable on your account.

HomeThink previously granted new accounts one free Pro property analysis. That offer was withdrawn on 27 August 2026 and is no longer available, including to accounts created before that date which had not used it. Pro reports already generated remain available to read, print and share on your account.

4.2 Subscription Plans

HomeThink Pro features require a subscription at £10/month. A Pro subscription gives you Pro reports, unlimited Free reports and AI chat on your property reports for as long as your subscription remains active, subject to fair-use daily allowances on commute and travel-time lookups and of 300 chat messages a day. Pro reports are subject to a fair-use allowance of 5 per day, and the standalone HomeThink Agent carries a daily message allowance on every plan, including Pro, so that one account cannot exhaust the service for everyone.

4.3 Billing and Renewal

Subscriptions are billed monthly on the anniversary of your sign-up date. All payments are processed securely through Stripe. We accept major credit and debit cards. Prices are listed in GBP. We are not currently VAT-registered, so no VAT is charged and the price you see is the price you pay. If that changes we will tell you before it affects your next payment.

4.4 Your 14-day right to cancel

If you are a consumer, you have a legal right to cancel your subscription within 14 days of starting it, for any reason, under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. To do so, tell us at support@mathersoftware.com — a clear statement is enough, and you do not have to give a reason.

Because HomeThink is a digital service, your subscription begins as soon as you subscribe. By subscribing you ask us to start supplying it immediately and acknowledge that you lose the right to cancel once it has been supplied in full. If you cancel within the 14 days having already used the service, we may charge you a proportion of the fee reflecting what you used before you cancelled, and we will refund the rest within 14 days of being told.

4.5 Cancelling after that

You may cancel your subscription at any time from the Subscription section in your account settings. Your subscription remains active until the end of the current billing period and does not renew after that. We do not usually refund unused time within a period you have already paid for — but this does not affect your legal rights, including your rights under the Consumer Rights Act 2015 if the service is not as described, not of satisfactory quality, or not supplied with reasonable care and skill.

4.6 Payment Failures

If a subscription payment fails, we will retry the charge and notify you by email. Access to Pro features may be suspended if payment cannot be collected. Contact us at support@mathersoftware.com if you experience billing issues.

4.7 Price Changes

We may change subscription pricing with at least 30 days' notice. Price changes will be communicated by email and will take effect at your next billing renewal.

You agree to use HomeThink only for lawful purposes and in compliance with these Terms. You agree NOT to:

• Use the Service for any illegal or fraudulent activity
• Attempt to reverse-engineer, decompile, or extract AI models or algorithms
• Use automated scraping, bots, or scripts to access the Service excessively
• Violate any applicable laws or regulations
• Impersonate any person or entity
• Share your account credentials with others
• Interfere with or disrupt the Service or its infrastructure
• Use the Service to harm, harass, or discriminate against others

6.1 AI-Generated Content

The AI analyses, insights, red/green flags, valuations, and chat responses generated by the Service are original works owned by Mather Software Ltd. You are granted a personal, non-transferable licence to use this content for your own property research purposes.

6.2 Property Listing Content

Property listing descriptions, photographs, and details remain the intellectual property of the respective listing portals (Rightmove, Zoopla, OnTheMarket) and estate agents. HomeThink does not claim ownership of this content. It reaches us only from your own browser, when you send it to us with the HomeThink browser extension, and we use it to produce your analysis.

HomeThink is not affiliated with, endorsed by or connected to Rightmove, Zoopla or OnTheMarket. Rightmove, Zoopla and OnTheMarket are trademarks of their respective owners. Nor is HomeThink affiliated with any other property portal.

6.3 Service Marks

HomeThink, the HomeThink logo, and related marks are trademarks of Mather Software Ltd. You may not use our trademarks without prior written permission.

7.1 Not Professional Advice

HomeThink's AI analysis is provided for informational purposes only and does not constitute:

• Legal advice or property law guidance
• Financial or mortgage advice
• Surveying or structural engineering advice
• Investment or tax advice
• A valuation of any kind, formal or informal

In particular, nothing in the Service is a valuation. We are not RICS-registered valuers, no figure we show is a Red Book valuation, and nobody from HomeThink has visited or inspected the property. Every estimate is produced from public records and the seller's or landlord's own advertisement, without sight of the building. A lender will require its own valuation, and a valuation for a mortgage, for probate, for tax or for any legal purpose must come from a RICS-accredited surveyor.

Always consult qualified professionals (solicitors, surveyors, mortgage advisors, financial advisors) before making property decisions.

7.2 AI Accuracy

You are interacting with an artificial intelligence system. The analysis, the scores, the flags, the estimates and the chat replies are all generated by an AI model reading a property advertisement and public records. They are not written, checked or approved by a person before you see them.

AI-generated content may contain errors, omissions and inaccuracies, and it can state something false with complete confidence. You must independently verify anything you intend to act on before you act on it. Subject to section 8, and to your statutory rights as a consumer, we are not responsible for decisions you take on the basis of AI analysis.

This applies to both plans. Every report, on the Free plan and on Pro alike, is produced by AI reading a property listing and public records, and either can be wrong. The Pro report runs a more capable model over more steps and more data, which makes it a deeper analysis — it is not a guarantee of accuracy, and it is not a survey, a valuation, or professional advice of any kind. Where a report states its own limits (for example, that the sold evidence is too thin to support a fair value), those limits are part of the analysis and not a defect in it.

7.3 Third-Party Data

Enrichment data (crime statistics, flood risk, council tax, etc.) is sourced from third-party public APIs and may be outdated or incomplete. We make no guarantees about the accuracy or completeness of this data. This does not affect section 8.1 or your statutory rights.

7.4 We are not regulated by the Financial Conduct Authority

Mather Software Ltd is not authorised or regulated by the Financial Conduct Authority, and does not give regulated financial advice.

The Service shows mortgage repayments, affordability figures, deposit and stamp duty amounts, running costs and interest-rate scenarios. Every one of these is a generic illustration, calculated from figures you enter or from published averages, to help you understand the shape of a purchase. None of it is a personal recommendation, and none of it takes account of your circumstances.

We do not, and will not through the Service:

• recommend any mortgage, lender, broker, insurer or other financial product or provider
• advise you on whether a particular mortgage or financial product is suitable for you
• arrange, administer or introduce you to any regulated financial product
• advise you on whether to buy, sell, or invest in any property

Before you commit to a mortgage or any other regulated financial product, take advice from a firm authorised by the Financial Conduct Authority. You can check whether a firm is authorised on the Financial Services Register.

8.1 What we do not exclude or limit

Nothing in these Terms excludes or limits our liability for:

• death or personal injury caused by our negligence, or that of our employees or agents;
• fraud or fraudulent misrepresentation;
• if you are a consumer, breach of your rights under the Consumer Rights Act 2015 — including that the Service is provided with reasonable care and skill and as described, and that digital content we supply (including the browser extension) is of satisfactory quality, fit for purpose and as described — except to the extent that Act allows a limit;
• any other liability that cannot lawfully be excluded or limited under English law.

If you are a consumer, nothing in these Terms affects your statutory rights. Advice about them is available from Citizens Advice.

8.2 If you are a consumer

We are responsible for loss or damage you suffer that is a foreseeable result of our breaking these Terms or of our failing to use reasonable care and skill. Loss or damage is foreseeable if it is obvious it will happen, or if, at the time the contract was made, both we and you knew it might happen. We are not responsible for loss or damage that is not foreseeable.

HomeThink is for domestic and private use. If you use it for a business purpose, we have no liability to you for loss of profit, loss of business, business interruption or loss of business opportunity.

If defective digital content we supply damages a device or digital content belonging to you, we will either repair the damage or pay you compensation, unless the damage was caused by your failing to follow instructions we gave you or to install a free update we offered.

HomeThink is a research tool, not a survey, a valuation or advice (section 7). Its analysis is AI-generated and can be wrong, which is why section 7 asks you to verify the facts you rely on with a surveyor, a solicitor or conveyancer and, where relevant, a mortgage adviser before you decide. This does not limit anything in section 8.1.

8.3 Our overall limit

Subject always to section 8.1, our total liability to you for all other losses arising under or in connection with these Terms or the Service, whether in contract, tort (including negligence), breach of statutory duty or otherwise, is limited to the greater of (a) the total fees you paid us in the twelve months before the claim arose, and (b) £500.

8.4 If you are a business user

If you use HomeThink in the course of a trade, business, craft or profession, then, subject to section 8.1: the Service is provided “as is”, and all warranties, conditions and terms implied by statute or common law are excluded to the extent the law allows; we do not guarantee that it will be uninterrupted, secure or error-free; and we are not liable for any indirect or consequential loss, or for loss of profit, revenue, business, goodwill or anticipated savings.

You agree to indemnify and hold Mather Software Ltd, its officers, directors, employees and agents harmless from any claims, damages, liabilities, costs, or expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your violation of applicable laws

This section does not apply if you are a consumer — that is, if you use HomeThink wholly or mainly outside your trade, business, craft or profession. It applies only to business users, is limited to claims arising from your own acts or omissions, and does not cover anything caused by our own breach or negligence. We will tell you promptly about any claim we intend to pass on to you, will not settle it without talking to you first, and will let you take over the defence if you want to.

10.1 By You

You may delete your account at any time from Settings, which erases your personal data immediately. If you would rather we did it, or cannot sign in, email support@mathersoftware.com. We do not usually refund the unused portion of an active subscription period on termination. This does not affect your 14-day right to cancel (section 4.4) or your statutory rights as a consumer.

10.2 By Us

We may suspend or terminate your account where you have breached these Terms, where we reasonably suspect fraudulent or unlawful use, where we are required to by law, or where continuing would expose us or another person to a real risk of harm. This list is not exhaustive, but any other reason must be a serious one and of the same kind. We will give you notice and the reason, and an opportunity to put things right where the breach can be put right — unless doing so would itself be unlawful or unsafe. If we terminate for a reason that is not your breach, we will refund any prepaid time.

10.3 Effect of Termination

Upon termination, your access to the Service will cease immediately. We will retain your data as described in our Privacy Policy.

10.4 If we stop running the Service

HomeThink is a small, independent product. If we decide to discontinue it, we will give you at least 30 days' notice by email, your data export will keep working throughout that period, and we will refund any prepaid time you have not used. We would rather say this now than leave you to guess: a report you are part-way through relying on is worth a month's notice.

You do not have to use this form — a clear statement in any words is enough, and cancelling from your account settings is quickest. It is here because the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 require us to provide it.

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or prominent notice on our website. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

12.1 Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

12.2 Dispute Resolution

Before initiating legal proceedings, please contact us at support@mathersoftware.com to attempt to resolve the matter informally.

13.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and HomeThink regarding the Service.

13.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

13.4 Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms without restriction.

For questions about these Terms, please contact us: