Legal

Terms & Conditions

Please read these terms carefully before using apply4loan.co.uk or submitting an enquiry. Apply4Loan is a trading name of Ruby Holdings Ltd (FRN: 763879).

Last updated: May 2026

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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 consolidating debts, you may be extending the repayment term and increasing the total amount repaid.

1. About Us

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). Registered office: Suite 3, 2nd Floor, Didsbury House, 748–754 Wilmslow Road, Manchester, M20 2DW. We are a credit broker, not a lender. We introduce customers to selected third-party lenders and brokers who may be able to offer secured homeowner loans.

2. Our Services

Apply4Loan provides a credit broking service to help homeowners find suitable secured loan products. We search across a panel of lenders and brokers to identify potentially suitable options based on the information you provide. Our initial eligibility check service is free to you. If you proceed with a loan through one of our partners, broker and lender fees may apply. These will be clearly disclosed before you commit to anything. We do not provide financial advice. Information on this website is for general guidance only and does not constitute a personal recommendation. You should seek independent financial advice if you are uncertain whether a secured loan is right for your circumstances.

3. Eligibility

To use our service, you must: • Be at least 18 years of age • Be a UK resident • Be a homeowner (own property in the UK) • Have the legal capacity to enter into a binding agreement By submitting an enquiry, you confirm that you meet these criteria. All loans are subject to status, affordability assessment and credit checks carried out by the lender.

4. No Guarantee of Credit

Submitting an enquiry through Apply4Loan does not guarantee that you will be offered a loan. All loan offers are subject to the lender's own credit assessment, affordability checks, property valuation and underwriting. A Decision in Principle (DIP) is not a guaranteed or binding offer of credit and may be withdrawn or amended following full underwriting. You will be kept informed throughout the process.

5. Fees and Commission

Apply4Loan does not charge you a fee for submitting an enquiry. If you proceed with a loan, the following fees may apply: Broker fee: Up to 12.5% of the loan amount borrowed, capped at £4,950, payable on completion. Lender fees: Lenders may charge their own arrangement, valuation and legal fees. These will be set out in your personalised illustration before you commit. Commission: 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. We will disclose the nature of any commission arrangement that may affect our impartiality before you proceed. Section 155 CCA 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.

6. Debt Consolidation Warning

If you are considering using a secured loan to consolidate existing debts, please be aware that you may be extending the term of those debts and increasing the total amount you repay overall. We will explain this clearly in your personalised illustration. Always consider whether consolidation is the right option for your circumstances.

7. Your Responsibilities

You agree to provide accurate, complete and up-to-date information when submitting an enquiry. Providing false or misleading information to obtain credit is a criminal offence under the Fraud Act 2006. Apply4Loan and its lending partners reserve the right to withdraw any offer if information provided was found to be inaccurate.

8. Intellectual Property

All content on apply4loan.co.uk, including text, graphics, logos and software, is the property of Ruby Holdings Ltd or its licensors and is protected by UK copyright law. You may not reproduce, distribute or create derivative works without our express written permission.

9. Limitation of Liability

To the maximum extent permitted by law, Ruby Holdings Ltd shall not be liable for any indirect, incidental or consequential loss or damage arising from your use of apply4loan.co.uk or reliance on information provided on this website. Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any liability that cannot be excluded by law.

10. Complaints

If you are unhappy with any aspect of our service, please refer to our Complaints Policy. We are committed to resolving complaints fairly and promptly in accordance with FCA DISP rules. If we cannot resolve your complaint, you may refer it free of charge to: Financial Ombudsman Service Website: www.financial-ombudsman.org.uk Free phone: 0800 023 4567

11. Governing Law

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

12. Changes to These Terms

We may update these Terms from time to time. The current version will always be available at apply4loan.co.uk/terms-conditions. Continued use of our website after changes constitutes acceptance of the updated Terms.

Apply4Loan is a trading name of Ruby Holdings Ltd, registered in England and Wales (Company 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. Credit broker, not a lender. Loans subject to status and affordability. Representative 11.3% APRC variable. Max APR 56.5%.