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Terms & Conditions

Last updated: [2025]

 

1. Introduction
Welcome to LendFirst. By using this website, you agree to be bound by these Terms & Conditions. If you do not accept them, you must not use this website.

LendFirst provides non-regulated bridging finance for business, investment, and commercial purposes only. We do not offer consumer credit or regulated mortgages.

2. Regulatory Notice

  • LendFirst is not authorised or regulated by the Financial Conduct Authority (FCA) for consumer lending.
  • Our products are exempt from FCA regulation under the Financial Services and Markets Act 2000.
  • Loans are only available where the borrower confirms in writing that funds will be used wholly or predominantly for business or investment purposes.
  • If you require regulated lending, you must approach an FCA- authorised provider.

3. No Offer, Advice, or Commitment

  • Website content is provided for general information only.
  • Nothing on this site constitutes:
  • An offer to lend,
  • financial, legal, or tax advice, or
  • a binding commitment from LendFirst.
  • Finance will only be provided after full underwriting, due diligence, property valuation, and execution of legally binding facility documentation.

4. Borrower Eligibility
By engaging with LendFirst, you confirm that you:

  • Are at least 18 years old;
  • Are acting for business, investment, or commercial purposes (not as a consumer);
  • Have, or will obtain, independent financial, legal, and tax advice;
  • Understand the risks associated with short-term secured lending.

5. Website Use & Intellectual Property

  • All material, branding, and content on this site is the property of LendFirst.
  • You may view, download, and print for personal reference only.
  • You may not copy, reproduce, or distribute any material without prior written consent.

6. Liability Limitations

  • To the maximum extent permitted by law, LendFirst excludes liability for any direct, indirect, or consequential loss arising from use of this site.

We are not liable for:

  • Reliance on content,
  • website errors, delays, or interruptions,
  • or third-party linked websites.
  • This does not exclude liability for fraud or wilful misconduct.

7. Risk Warning

  • Bridging loans are secured against property. If you fail to keep up repayments, your property may be repossessed.
  • These are short-term, high-cost products. They may not be suitable for all borrowers.
  • You must have a clear repayment strategy (sale of property, refinance, or other exit).
  • Borrowers are solely responsible for ensuring loan suitability.

8. Privacy & Cookies
Use of personal information is governed by our [Privacy Policy]. By using this site, you consent to our use of cookies and data handling.

9. Governing Law
The laws of England and Wales govern these Terms & Conditions. The courts of England and Wales shall have exclusive jurisdiction.