Terms & Conditions.

Terms & Conditions

Effective Date: 1st January 2026

Last Updated: 1st January 2026



1. Introduction

These Terms of Use govern your access to and use of our site and services. By using this website, you agree to these terms. If you do not agree, please do not use the site.


This website is operated by Ruby Holdings Ltd, trading as Apply4Loan.co.uk. We may update these terms at any time. Continued use of the site means you accept any changes.



2. Who We Are (and What We’re Not)

We are a lead generation and financial introducer company, not a lender or financial advisor. Our role is to connect you with service providers based on the information you provide.


We do not:


Make lending decisions

Guarantee that you’ll be accepted for a product or service

All financial products or services are provided solely by the third-party organisations we work with.



3. Your Use of the Website - By using this site, you confirm that:


You are at least 18 years old

You’re using the website for personal and lawful purposes only

You will not misuse, tamper with, or attempt to gain unauthorised access to the website

We reserve the right to restrict, suspend, or terminate access at any time.



4. Accuracy of Information & Disclaimer - We do our best to keep all content up to date and accurate — but we don’t guarantee it. You agree that:


All information on the website is for general guidance only

We are not liable for any errors, omissions, or outdated content

You are responsible for verifying the information before acting on it

We are not responsible for any financial or personal decisions made based on our website or the third parties we introduce you to.



5. Third-Party Links & Services - We may link to other websites or refer you to third-party services. These are outside our control.


We do not accept responsibility for:


The content, terms, or privacy policies of third-party sites

Any product or service provided by a third-party provider

Any contract or engagement you enter into with them

Use of third-party services is at your own risk and discretion.



6. Intellectual Property

All content on this site — including logos, text, graphics, forms, design, and layout — is owned by Ruby Holdings Ltd or our licensors.


You may: View, print, or download content for personal use only.


You may not: Copy, reproduce, distribute, or modify the website content for commercial purposes without our written permission.



7. Limitation of Liability - To the fullest extent permitted by law, we are not liable for:


Loss of income, profits, or data.

Business interruption or reputational damage.

Any indirect, incidental, or consequential loss or damage.

Nothing in these terms excludes liability for death or injury caused by negligence, fraud, or any liability that cannot be excluded by law.



8. Governing Law - These Terms of Use are governed by the laws of England and Wales.


Any disputes will be handled exclusively by the courts of England and Wales.



9. Contact Us - If you have any questions about these Terms, you can contact us at:


Ruby Holdings Ltd

Suite 3, 2nd Floor, Didsbury House

748 – 754 Wilmslow Road

Manchester

M20 2DW

Email: hello@apply4loan.co.uk



10. Other Legal Terms


Severability - If any part of these Terms is found to be unlawful or unenforceable, the rest will continue to apply.


Changes to These Terms - We may revise these Terms from time to time. When we do, we’ll update the “Last Updated” date above. Your continued use of the website confirms your acceptance of the revised terms.


No Waiver - If we don’t enforce a part of these Terms, that doesn’t mean we’re waiving our right to enforce it later.

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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.


SECURED LOANS - Rates from 5.69% variable. We also have a range of plans with rates up to 36.6% allowing us to help customers with a range of credit problems.


Representative 11.3% APRC variable.

Representative example: if you borrow £34,480 over 10 years , initially on a fixed rate for 5 years at 7.60% and for the remaining 5 years on the lenders standard variable rate of 8.10%, you will make 60 monthly payments of £467.50 and 60 monthly payments of £473.06. The total repayable would be £56,528.60 (This includes a lender fee of £595 and a broker fee of £4137). The overall cost for comparison is 11.3% APRC representative. Maximum APR 36.6%


All fees charged by our partner (Norton Finance) will be explained in detail and subsequently in writing prior to commencement of any loan that our partner(s) are able to provide.

A broker fee of up to 12.5% of the loan amount borrowed, capped at £4950, may be payable on completion. Lender fees may also apply. The actual APRC rate 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 Norton Finance, please be aware you are subject to their terms conditions and privacy policy.


Apply4Loan.co.uk is a trading name of Ruby Holdings Ltd.

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

Ruby Holdings Ltd Registered office: Suite 3, 2nd Floor, Didsbury House 748 – 754 Wilmslow Road

Manchester. M20 2DW


Data Protection Number: ZA130896

Financial Conduct Authority Reference Number: 763879

Registered in England and Wales, Company Registration Number: 09496123

By submitting an enquiry, you confirm that you have consented to being contacted by Apply4Loan.co.uk (Trading name of Ruby Holdings Limited) and/or our partners so therefore we may contact you by post, phone, WhatsApp and email however 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.

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