Legal
Terms of Use
Last updated: March 2026
About Our Service
Secured Loan Hub is a trading name of Charles Frank Finance Ltd, authorised and regulated by the Financial Conduct Authority (FRN 624668). We are a credit broker, not a lender. We introduce customers to lenders from our carefully selected panel. We do not charge you a fee for our service — we receive a commission from the lender if a loan successfully completes.
Use of This Website
This website is provided for UK residents aged 18 or over who are homeowners. The information on this site is for general guidance only and does not constitute financial advice. While we make every effort to ensure accuracy, we do not guarantee that the information is complete, up to date, or error-free. The calculators and tools on this site provide indicative figures only. Actual loan offers may differ based on your individual circumstances, credit profile, and the lender's assessment.
Eligibility
To apply for a secured loan through our service, you must: • Be aged 18 or over • Be a UK homeowner (or buying a property) • Have sufficient equity in your property • Meet the lender's affordability and credit criteria Submitting an enquiry does not guarantee that you will receive a loan offer. All applications are subject to the lender's assessment and approval.
Your Property Is at Risk
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. A secured loan uses your property as security. If you fail to keep up with repayments, the lender has the legal right to repossess your home. You should only take out a secured loan if you are confident you can afford the repayments.
Rates and Fees
Interest rates shown on this website are representative and may not be available to all applicants. The rate you are offered will depend on your individual circumstances including the loan amount, term, property value, equity, income, and credit profile. Lenders may charge arrangement fees, valuation fees, or other charges. All fees will be disclosed to you in writing before you commit to a loan. Our service is free — we do not charge you a broker fee.
Credit Checks
Using our calculators and obtaining an initial quote does not affect your credit score. If you proceed with a full application, the lender will conduct a hard credit search which will be visible on your credit file.
Intellectual Property
All content on this website — including text, graphics, logos, calculators, and code — is the property of Charles Frank Finance Ltd or its licensors and is protected by copyright law. You may not reproduce, distribute, or create derivative works from this content without our written permission.
Limitation of Liability
To the fullest extent permitted by law, we exclude liability for any loss or damage arising from your use of this website or reliance on information provided. This includes (but is not limited to) indirect or consequential losses, loss of income, or loss of opportunity. Nothing in these terms excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.
Links to Other Websites
This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or availability of these external sites. Inclusion of a link does not imply endorsement.
Complaints
If you are unhappy with our service, please contact us at info@securedloanhub.co.uk. We will acknowledge your complaint within 3 business days and aim to resolve it within 8 weeks. If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.
Governing Law
These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
Changes to These Terms
We reserve the right to update these terms at any time. Changes will be posted on this page with an updated date. Continued use of the website after changes constitutes acceptance of the updated terms.