Enquiry Received

Your loan enquiry has been accepted!

Thank you for submitting your enquiry. One of our qualified advisers will be in touch within 24 hours to discuss your options — there is no obligation at any stage.

📱Keep an eye on your phone — your adviser may call, text or email you soon

Here's what happens next

We'll guide you every step of the way — no obligation at any stage.

1
📞

We reach out within 24 hours

A qualified adviser will contact you to complete a short 10-minute call and understand your requirements.

Calls are made during business hours. We may contact you by phone, email or SMS.

2
📋

Get your personalised loan quote

Your adviser will search our panel of 600+ plans to identify the most suitable options for your circumstances.

A Decision in Principle is not a guaranteed offer of credit. Subject to full underwriting and credit assessment.

3
📄

Submit your full application

If you're happy to proceed, your adviser will guide you through the full application, documents and lender submission.

A hard credit search will be recorded by the lender at this stage. You will be kept fully informed.

While you wait

Finally, check your Credit Report

Get a credit report that checks data from all 3 leading credit reference agencies. Understanding your credit profile helps your adviser find the best options for you.

📊

Free 30-day trial.
Check all 3 agencies in one place.

Check Your Credit Report

Opens on checkmyfile.com.
This is an affiliate link.

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. Apply4Loan is a trading name of Ruby Holdings Ltd (Co. No. 09496123), authorised and regulated by the Financial Conduct Authority (FRN: 763879). Credit broker, not a lender. A Decision in Principle is not a guaranteed offer of credit. Loans subject to status and affordability. Representative 11.3% APRC variable. Maximum APR 56.5%. The credit report link above is an affiliate link — we may receive a commission if you subscribe.

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