What is Offlend?
Offlend is an education and preparation platform that helps people understand mortgages and related financial decisions before speaking to a professional. If you choose, we can also connect you with independent, FCA-regulated mortgage advisors.
Is Offlend a mortgage broker, lender, or advisor?
No. Offlend is not a lender, not a mortgage broker, and not a financial advisor. We are not authorised or regulated by the Financial Conduct Authority (FCA).
Why should I use Offlend?
Many people approach advisors or lenders without understanding affordability, documentation, or eligibility. Offlend helps you:
- prepare in advance
- understand your options
- ask better questions
- avoid unnecessary delays
Using Offlend
Do I have to share my personal details?
No. You can access Offlend’s learning content and guides without sharing personal information.
What happens if I request a connection to an advisor?
If you request an introduction:
- Your details are shared with an independent mortgage advisor
- The advisor contacts you directly
- You decide whether to continue
There is no obligation to proceed.
Am I required to use the advisor I’m introduced to?
No. You are free to decline, stop communication, or seek advice elsewhere.
Advisors & Advice
Are the advisors FCA regulated?
Yes. Any mortgage advisor introduced via Offlend is authorised and regulated by the FCA.
Does Offlend recommend or endorse advisors?
No. Offlend does not endorse, recommend, or guarantee any advisor or outcome.
Who is responsible for the advice I receive?
The advisor you engage with is solely responsible for any advice provided. Offlend does not participate in the advice process.
Mortgages & Eligibility
Can Offlend help self-employed or complex applicants?
Yes. Offlend is designed to support:
- self-employed individuals
- freelancers and contractors
- applicants with variable income
- those unsure about eligibility
Our content helps you understand what advisors may look for before you apply.
Can Offlend help if I have bad credit?
We provide general guidance only. Any assessment or recommendation must come from a qualified advisor.
Does Offlend compare mortgage deals or rates?
No. Offlend does not compare lenders, rates, or products.
Can first-time buyers use Offlend?
Yes. Offlend helps first-time buyers understand the mortgage process before speaking to an advisor.
Learning & Guides
Is the content on Offlend personalised?
No. All content is general information and is not tailored to your individual circumstances.
Is Offlend content financial or mortgage advice?
No. The content on Offlend is for educational purposes only and should not be treated as advice.
How accurate is the information?
We aim to keep content accurate and up to date, but financial rules and products change. Always confirm details with a qualified professional.
Costs & Transparency
Is Offlend free to use?
Yes. Offlend is free for consumers.
How does Offlend make money?
Offlend may receive a commercial introduction fee from advisors if you choose to connect with one.
Does this affect the advice I receive?
No. Advisors are required to act independently and in your best interests under FCA rules.
Data & Privacy
What data does Offlend collect?
Only information necessary to:
- provide content
- respond to enquiries
- facilitate introductions (if requested)
Full details are available in our Privacy Policy.
Does Offlend sell my data?
No. Offlend does not sell personal data.
Can I request deletion of my data?
Yes. You can request access, correction, or deletion of your data at any time.
Complaints & Issues
How do I raise a concern about Offlend?
You can contact us directly using the details on our website.
What if my concern is about advice I received?
You should raise this directly with the advisor or with the Financial Conduct Authority (FCA).
Future Services
Will Offlend offer other financial products?
Offlend may expand into other financial areas in the future. Any new services will:
- follow the same education-first approach
- clearly explain regulatory boundaries
- involve independent, authorised professionals where required
Age Restrictions
Can under-18s use Offlend?
No. Offlend is intended for users aged 18 and over.