Apply4Loan
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Privacy Policy

Apply4Loan is a trading name of Ruby Holdings Ltd (FRN: 763879). This policy explains how we collect, use and protect your personal information.

Last updated: May 2026

1. Who We Are

Apply4Loan is a trading name of Ruby Holdings Ltd, registered in England and Wales (Company No. 09496123). Ruby Holdings Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 763879) and is registered with the Information Commissioner's Office (ICO No. ZA130896). Registered office: Suite 3, 2nd Floor, Didsbury House, 748–754 Wilmslow Road, Manchester, M20 2DW. Ruby Holdings Ltd is the data controller for personal information collected through apply4loan.co.uk. Contact us at: hello@apply4loan.co.uk

2. What Personal Data We Collect

When you use our website or submit an enquiry, we may collect: • Identity data: first name, last name, date of birth • Contact data: email address, telephone number, home address, postcode • Financial data: loan amount, loan term, loan purpose, employment status, household income, mortgage balance, property value • Technical data: IP address, browser type, time zone, operating system • Usage data: how you use our website • Marketing data: your preferences for receiving marketing communications We collect this data through direct interactions (enquiry forms), automated technologies (cookies) and third parties (referral partners, analytics providers).

3. How We Use Your Personal Data

We use your data for the following purposes: • To process your loan enquiry and introduce you to suitable lenders — Legitimate interests / Pre-contractual steps • To communicate with you about your enquiry — Legitimate interests / Contractual necessity • To comply with legal and regulatory obligations — Legal obligation • To send marketing communications where you have consented — Consent • To analyse and improve our website — Legitimate interests • To prevent fraud and verify identity — Legal obligation / Legitimate interests

4. Sharing Your Personal Data

We may share your data with: • Lenders and credit brokers: We introduce your enquiry to selected third-party lenders and broker partners. You will be informed before any introduction takes place. • Service providers: Third parties providing IT, analytics and marketing services, acting as data processors under our instructions. • Regulatory bodies: FCA, ICO, HMRC or other regulators where required by law. We do not sell your personal data or share it with third parties for their own marketing purposes without your explicit consent.

5. Marketing Communications

Where you have given consent, we and our partners may contact you by phone, email, SMS or WhatsApp about products and services that may interest you. You can withdraw consent at any time by: • Clicking "unsubscribe" in any email • Contacting us at hello@apply4loan.co.uk • Writing to us at our registered address

6. Data Retention

We retain personal data for as long as necessary to fulfil the purposes collected, including legal, accounting and regulatory requirements. Loan enquiry data is retained for a minimum of 6 years in accordance with FCA record-keeping requirements. After this period, data is securely deleted or anonymised.

7. Your Rights (UK GDPR)

You have the following rights regarding your personal data: • Right to access (Subject Access Request) • Right to rectification of inaccurate data • Right to erasure ("right to be forgotten") • Right to restrict processing • Right to data portability • Right to object to processing • Right to withdraw consent To exercise any right, contact us at hello@apply4loan.co.uk. We will respond within 30 days at no charge. You may also complain to the ICO at www.ico.org.uk or 0303 123 1113.

8. Data Security

We have implemented appropriate technical and organisational measures to protect your data against unauthorised access, alteration, disclosure or destruction, including SSL encryption and access controls.

9. Changes to This Policy

We may update this Privacy Policy periodically. Significant changes will be notified via a prominent notice on our website. The date shown above indicates when this policy was last revised.

10. Contact Us

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 No. ZA130896. Registered: 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