Terms & Conditions

1. Definitions

In these Terms and Conditions, the following definitions apply:

• "We", "Us", "Our" means Renowned Lending Group (UKLF Limited).
• "You", "Your" means the person accessing our website or using our services.
• "Service" means the introduction and brokerage services we provide to help you find loan, mortgage, or consolidation products.
• "Lender" means any bank, building society, finance house, or other credit provider we introduce you to.
• "Credit Broker" means we introduce you to lenders but do not lend money ourselves.
• "FCA" means the Financial Conduct Authority, the UK regulator for financial services.
• "Soft Search" means a credit check that does not affect your credit score and is not visible to other lenders.
• "Hard Search" means a full credit check visible on your file, which may impact your credit score.

2. Our Role as a Credit Broker

Renowned Lending Group acts as a credit broker, not a lender. This means:

• We do not lend money directly to you.
• We introduce you to lenders and other credit brokers who may be able to offer you credit.
• We may receive a commission from lenders if you take out a product through our introduction.
• We do not charge you for our initial eligibility check or advice.
• We may charge a broker fee for certain products, which will be clearly explained and agreed with you before you proceed.

Our service is free to use, but we may receive payment from lenders if you take out a product through us. This commission does not affect the interest rate you are offered.

3. Eligibility and Credit Checks

When you use our eligibility checker or apply for a product through us:

• We may perform a soft search on your credit file. This does not affect your credit score and is only visible to you.
• If you proceed with a full application, the lender will perform a hard search, which may be visible to other lenders and could affect your credit score.
• The information you provide must be accurate and complete. Providing false or misleading information may constitute fraud.
• We reserve the right to verify any information you provide.

4. Fees and Charges

Our fee structure is transparent and explained below:

• Initial consultation: Free of charge.
• Eligibility check: Free of charge.
• Broker fee: For some loan products, we may charge a broker fee of up to £999. This will be clearly communicated and agreed with you before you proceed with an application.
• Lender fees: Some lenders may charge arrangement fees, early repayment charges, or other fees. These will be detailed in the lender's documentation.
• Commission: We receive commission from lenders for introducing you. This does not affect the rate you are offered.

5. Your Responsibilities

By using our services, you agree to:

• Provide accurate, complete, and up-to-date information.
• Not use our services for any unlawful purpose.
• Notify us immediately if any information you have provided changes.
• Read and understand all lender documentation before signing any agreement.
• Ensure you can afford the repayments on any product you take out.
• Not use our website in any way that could damage, disable, or impair our systems.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Renowned Lending Group or its content suppliers and is protected by UK and international copyright laws.

You may not:

• Reproduce, duplicate, copy, sell, or otherwise exploit our content for commercial purposes without express written consent.
• Use any automated means to access our website or collect information.
• Modify or create derivative works based on our content.

7. Limitation of Liability

To the fullest extent permitted by law:

• We provide our service on an "as is" and "as available" basis.
• We do not guarantee that our website will be uninterrupted, timely, secure, or error-free.
• We are not liable for any loss or damage arising from your use of our website or services, except where such liability cannot be excluded by law.
• We are not responsible for the actions or omissions of any lender we introduce you to.
• We do not accept liability for any loss you may suffer if a lender rejects your application.

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

8. Third-Party Links

Our website may contain links to third-party websites, including those of lenders and partner organisations. We have no control over these websites and are not responsible for their content, privacy practices, or terms. You access such websites at your own risk.

9. Complaints

We are committed to providing excellent service, but if you are unhappy with any aspect of our service, please contact us:

If you are not satisfied with our resolution, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). Contact details will be provided with our final response.

10. Changes to These Terms

We may update these Terms and Conditions from time to time. Any changes will be posted on this page with an updated revision date. By continuing to use our services after changes are posted, you agree to the revised terms.

11. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us: