Only Bridging & Loans Ltd – Terms & Conditions
Please read this section carefully. By accessing and using this website you agree to the following terms of use.

Ownership
This website is owned and operated by Only Bridging & Loans Ltd t/a Only Bridging (Companies House Number is 05038750), whose registered office is 1 Nelson Street, Southend On Sea, Essex, SS1 1EG.

No act of downloading or copying from this website will transfer title to any software or material to you. Only Bridging reserves all rights with respect to copyright and ownership of all material on this website, and will enforce such rights to the full extent of the law.

Regulation
Only Bridging is a Credit Broker, authorised and regulated by the Financial Conduct Authority. You can find our details on the FCA Financial Services Register at https://register.fca.org.uk. Our FCA Registration Number is 709671.

We are also registered with the Information Commissioner’s Office as a Data Controller. Our Data Protection Register number is Z9518230.

Accuracy of information
Whilst Only Bridging makes every effort to ensure that the information on this website is up to date and accurate, the statements made by Only Bridging are not intended to be legally binding and the accuracy or completeness of all information should be checked with Only Bridging before reliance is made.

Please be aware that all material on this website is subject to change without notice. The information contained on this website is meant to be reviewed in its entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices. Only Bridging takes every care to ensure the accuracy of the loan quotes which are based on the latest information available from the lenders at that time. However, the lenders on the panel reserve the right to change % APR or % APRC rates and underwriting criteria at any time and without notice. This may result in a change to the loan offered to you or may result in the loan offer being withdrawn.

The accuracy of the loan quotes depends upon the accuracy of the information you have provided. Only Bridging and the lenders on the panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes as a result of these checks, the original offer may be changed or withdrawn.

The expected time periods from submitting your application to receiving your loan funds are only a guide. Any delay in the returning of your loan documents, proof of income or identification and/or delays with any third party we or the lender need to contact in order to process your application, may result in your application taking longer to complete.

If you’re thinking of consolidating existing borrowing you should be aware that although you may reduce your monthly outgoings you may be extending the terms of the debt and increasing the total amount you repay. It’s important that you can afford the repayments now and continue to do so throughout the term of the loan as failure to keep up with your repayments could lead to defaults, CCJs, possible repossession of any property that the loan may be secured against or even ultimately bankruptcy and could affect your ability to obtain future credit.

Indemnity
You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions.

External Websites 
Please note Only Bridging is not responsible for the content of external websites.

How to give feedback or make a complaint 
Your opinion is very important to us. Listening to your views helps us develop our company ethos of having customers at the heart of what we do! Please e-mail us customers@onlybridging.co.uk with any feedback you may have.

We all make mistakes and if we do get something wrong we want to know about it so we can put it right. We treat all complaints very seriously and promise to deal with them fairly and promptly, and in many cases we will resolve them straight away. If you have a complaint please contact us by writing to the Complaints Dept. at the above address, via e-mail customers@onlybridging.co.uk or telephone us on 0808 169 5951.

Only Bridging will try to resolve any complaint with you. However, if you are unhappy with our final response or we are unable to issue our final response within 8 weeks of receiving your complaint you can refer your complaint to the Financial Ombudsman Service. You can get more information about them at the following link: http://financial-ombudsman.org.uk/consumer/complaints.htm

What law is applicable to your contract with us? 
In legal disputes, the Law of England will apply. As required by law, please note any terms and conditions of your application and agreements will be in English, governed by the laws of England and Wales and we will communicate with you in English.

No Warranty 
The information that is made available on this website is intended for general information purposes only and is provided on an ‘as is’ basis without any warranties of any kind. Only Bridging does not accept any liability for any loss arising as a result of reliance on the information contained on this website.

While we try and ensure that all information on this website is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error, we will amend the website as soon as reasonably possible.

We may edit this policy from time to time. If we make any substantial changes we will notify you by posting a prominent announcement on our pages.

If you have any questions about these Terms and Conditions, or any other aspect of this website please contact us at:

Customer Service
Only Bridging
Warehams House
Warehams Lane
Hertford
SG14 1LA
Tel: 0808 169 5951
Email: customers@onlybridging.co.uk
Calls may be recorded for training and monitoring purposes.