Apply4Loan
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Cookies Policy

This policy explains how Apply4Loan (a trading name of Ruby Holdings Ltd) uses cookies on apply4loan.co.uk.

Last updated: May 2026

1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They allow the website to recognise your device and remember information about your visit — such as your preferences or whether you have visited before. Cookies do not give us access to your computer or any information beyond what you choose to share with us. They cannot be used to run programs or deliver viruses to your device.

2. Why We Use Cookies

We use cookies to: • Ensure the website works correctly and securely • Remember your preferences and settings • Understand how visitors use our website so we can improve it • Deliver relevant content and (where you have consented) targeted advertising Some cookies are essential for the website to function. Others are only placed with your consent.

3. Types of Cookies We Use

Strictly necessary cookies These are essential for you to use our website and its features. Without them, services you have requested cannot be provided. They do not require your consent and cannot be disabled. Performance and analytics cookies These collect anonymous information about how visitors use our website — for example, which pages are visited most often. This helps us improve the site. These cookies are only set with your consent. Functionality cookies These allow the website to remember choices you make (such as form progress) and provide enhanced features. They may be set by us or third-party providers. Marketing and targeting cookies These may be set by our advertising partners. They are used to build a profile of your interests and show you relevant advertisements on other websites. They do not store personal data directly but work by uniquely identifying your browser. These are only set with your consent.

4. Our Cookies

The table below lists the specific cookies we use. Purposes marked * are only active with your consent.
Cookie NameProviderPurposeDuration
_gaGoogle AnalyticsDistinguishes users and analyses website traffic2 years
_gidGoogle AnalyticsDistinguishes users for traffic analysis (24-hour session)24 hours
_gatGoogle AnalyticsThrottles request rate to Google Analytics1 minute
framer-*Framer (website platform)Website functionality, performance and session managementSession / up to 1 year
cookie_consentApply4LoanStores your cookie consent preferences1 year

5. Third-Party Cookies

Some pages on our website may include content from third-party services (such as Google Analytics or advertising networks). These third parties may set their own cookies subject to their own privacy and cookie policies. We have no control over third-party cookies. Please refer to the relevant third party's privacy policy for more information: • Google Analytics: policies.google.com/privacy • Framer: framer.com/privacy

6. Managing and Disabling Cookies

You can control and manage cookies in several ways: Browser settings: Most browsers allow you to refuse, delete or manage cookies. Please refer to your browser's help documentation: • Chrome: Settings → Privacy and security → Cookies • Firefox: Options → Privacy & Security → Cookies • Safari: Preferences → Privacy → Cookies • Edge: Settings → Cookies and site permissions Cookie consent tool: When you first visit our website, we will ask for your consent before setting non-essential cookies. You can withdraw or change your preferences at any time. Please note: Disabling certain cookies may affect how our website works and the quality of your experience.

7. Your Rights

Under the UK GDPR and the Privacy and Electronic Communications Regulations (PECR), you have the right to: • Withdraw your consent to non-essential cookies at any time • Access information about what cookies are used and why • Request deletion of data collected through cookies (where it constitutes personal data) To exercise these rights, contact us at hello@apply4loan.co.uk

8. Changes to This Policy

We may update this Cookies Policy from time to time to reflect changes in technology, legislation or our business practices. Please revisit this page periodically. The date shown above indicates when this policy was last revised.

9. Contact Us

If you have any questions about our use of cookies, please contact: hello@apply4loan.co.uk Ruby Holdings Ltd Suite 3, 2nd Floor, Didsbury House 748–754 Wilmslow Road, Manchester, M20 2DW

Apply4Loan is a trading name of Ruby Holdings Ltd (Co. No. 09496123), authorised and regulated by the Financial Conduct Authority (FRN: 763879). ICO Registration No. ZA130896. Registered office: Suite 3, 2nd Floor, Didsbury House, 748–754 Wilmslow Road, Manchester, M20 2DW.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Apply4Loan is a credit broker and introducer, not a lender. We introduce customers to selected third-party providers of secured homeowner loans. Checking your eligibility with us will not affect your credit score. If you choose to proceed, a lender or broker partner may later carry out a hard credit search.

Apply4Loan
apply4loan.co.uk

Apply4loan is a trading style of Ruby Holdings Ltd, which is Authorised and Regulated by the Financial Conduct Authority.


Ruby Holdings Ltd
Suite 3, 2nd Floor, Didsbury House
748–754 Wilmslow Road, Manchester, M20 2DW
Registered in England & Wales


FCA Reference No: 763879
Company Registration No: 09496123
ICO Data Protection Reg: ZA130896

No fee for our service: There is no fee for making an enquiry with Apply4Loan. If you proceed with a brokered loan through one of our partners, broker and lender fees may apply. We will explain clearly who charges any fee, when it becomes payable, and whether any refund rights apply before you proceed.

Commission disclosure: Apply4Loan may receive a fee or commission from lender and broker partners when we introduce you to them. This fee does not affect the rate or terms offered to you. All fees charged by our partners will be explained in writing prior to the commencement of any loan.

Broker fees: A broker fee of up to 12.5% of the loan amount borrowed, capped at £4,950, may be payable on completion. Lender fees may also apply. The actual APRC available will depend on your individual circumstances. Loans and remortgages are subject to status. Please ask for a personalised illustration. Loans are secured on property. Fees will only be payable where further services from our partner are requested and, depending on the solution, costs may vary.

When we introduce you to a partner, please be aware you are subject to their terms, conditions, and privacy policy.

Consent: By submitting an enquiry, you confirm that you have consented to being contacted by Apply4Loan (a trading name of Ruby Holdings Ltd, which is Authorised and Regulated by the Financial Conduct Authority) and/or our partners. We may contact you by post, phone, WhatsApp, and email. You can OPT OUT at any time by informing us or our partners directly. Please refer to our Privacy Policy for a list of partners and their contact details.

All information and services provided by Ruby Holdings Ltd are free of charge.

© 2026 Apply4Loan. A trading name of Ruby Holdings Ltd.

which is Authorised and Regulated by the Financial Conduct Authority. Registered in England & Wales.

FCA FRN: 763879Co. No: 09496123ICO: ZA130896

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Apply4Loan is a credit broker and introducer, not a lender. Apply4Loan is a trading name of Ruby Holdings Ltd. We introduce customers to selected third-party providers of secured homeowner loans. Checking your eligibility with us will not affect your credit score. If you choose to proceed, a lender or broker partner may later carry out a hard credit search.

Apply4Loan.co.uk
Secured Homeowner Loans

Apply4Loan is a trading name of Ruby Holdings Ltd, which is Authorised and Regulated by the Financial Conduct Authority.


Ruby Holdings Ltd
Suite 3, 2nd Floor, Didsbury House
748–754 Wilmslow Road, Manchester, M20 2DW
Registered in England & Wales


FCA Reference No: 763879
Company Registration No: 09496123
ICO Data Protection Reg: ZA130896

No fee for our service: There is no fee for making an enquiry with Apply4Loan. If you proceed with a brokered loan through one of our partners, broker and lender fees may apply. We will clearly explain who charges any fee, when it becomes payable, and whether any refund rights apply before you proceed.

Commission disclosure: Apply4Loan (a trading name of Ruby Holdings Ltd) may receive a fee or commission from lender and broker partners when we introduce you to them. This fee does not affect the rate or terms offered to you. The existence and nature of any commission arrangement that may affect our impartiality will be disclosed before you proceed.

Broker fees: A broker fee of up to 12.5% of the loan amount borrowed, capped at £4,950, may be payable on completion. Lender fees may also apply. The actual APRC available will depend on your individual circumstances. Loans and remortgages are subject to status. Please ask for a personalised illustration. Loans are secured on property. Fees will only be payable where further services from our partner are requested.

Refund rights: Under Section 155 of the Consumer Credit Act 1974, you are entitled to a refund of any brokerage fee (less £5) if a credit agreement is not entered into within six months of an introduction to a source of credit.

When we introduce you to a partner, please be aware you are subject to their terms, conditions and privacy policy. We will make you aware of this before any introduction takes place.

Consent: By submitting an enquiry, you confirm that you have consented to being contacted by Apply4Loan (a trading name of Ruby Holdings Ltd) and/or our partners. We may contact you by post, phone, WhatsApp and email. You can opt out at any time by informing us or our partners directly. Please refer to our Privacy Policy for a list of partners and their contact details.

All information and services provided by Ruby Holdings Ltd are free of charge.

© 2026 Apply4Loan. A trading name of Ruby Holdings Ltd.

Authorised and regulated by the Financial Conduct Authority. Registered in England & Wales.

FCA FRN: 763879Co. No: 09496123ICO: ZA130896