Terms of Use

1. About OFFLEND

OFFLEND PARTNERS LTD (“OFFLEND”, “we”, “us”, “our”) is a company registered in England and Wales (Co. No. 16810082). Registered office: 36 Axial Drive, Colchester, Essex, CO4 5RY.

OFFLEND is a credit broker and registered introducer — not a lender. We do not provide loans, mortgages or any other financial products directly. We introduce clients to FCA-regulated third-party specialists.

2. Our Introducer Status — Important

OFFLEND is a registered credit broker and introducer. We:

• Are not ourselves authorised and regulated by the Financial Conduct Authority (FCA) as a lender
• Introduce clients to FCA-regulated lenders, advisers and brokers only
• Receive a commission from the lender or adviser when your finance completes
• Disclose that commission in writing to you before any introduction is finalised
• Provide no financial advice — advice is provided solely by the FCA-regulated specialist to whom we introduce you

3. No Financial Advice

Nothing on this website constitutes financial advice, investment advice or a recommendation to obtain any particular financial product. All content is for general information purposes only. You should seek independent regulated financial advice before entering into any financial agreement.

Mortgage advice is provided solely by our FCA-regulated mortgage adviser partner (FRN 766509), not by OFFLEND.

4. Our Fee Structure

OFFLEND's introduction service is free to you. We receive a commission from the lender or adviser when your finance completes. This commission will always be disclosed to you in writing before any introduction is made. You are under no obligation to proceed once you have received a disclosure.

Third-party lenders and advisers may charge their own fees (arrangement fees, adviser fees, etc.). All such fees are disclosed by that third party before you commit to any product.

5. Eligibility and Credit Checks

Submitting an enquiry via our website does not guarantee that you will be eligible for any finance product. All lending decisions are made solely by our FCA-regulated partner, not by OFFLEND. Our initial enquiry uses a soft credit search only, which does not affect your credit score. A full credit check is conducted only with your explicit consent at the formal application stage.

6. Website Content

We make reasonable efforts to ensure all website content is accurate and up to date. However, we give no warranty that the information is complete, accurate or free from error. Calculations provided by our on-page calculators are illustrative only and should not be relied upon as a basis for any financial decision.

Stamp Duty Land Tax (SDLT) calculations are based on England and Wales rates for 2025/26. Always verify with your solicitor.

7. Financial Promotions

Where this website contains financial promotions, they have been approved in accordance with applicable FCA requirements. OFFLEND complies with the FCA Consumer Duty and the Consumer Credit Act 1974 (as applicable to an introducer). All promotions are fair, clear and not misleading.

8. Permitted Use

You may use this website for personal and business finance research purposes only. You must not:

• Use our website for any unlawful purpose or in any way that could harm OFFLEND or any third party
• Attempt to gain unauthorised access to any part of our website or systems
• Reproduce, republish or redistribute any content without written permission
• Submit false, misleading or fraudulent information

9. Third-Party Links

This website may contain links to third-party websites (including FCA register, Financial Ombudsman Service, etc.). We are not responsible for the content of those websites and inclusion of a link does not imply endorsement.

10. Liability

To the fullest extent permitted by law, OFFLEND PARTNERS LTD excludes all liability for any direct, indirect or consequential loss arising from use of this website or reliance on its content. We do not exclude liability for death or personal injury caused by negligence or for fraud or fraudulent misrepresentation.

11. Governing Law

These Terms of Use are governed by the laws of England and Wales. Any dispute shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to These Terms

We may update these Terms of Use at any time. The current version is always available at this URL. Continued use of our website after any change constitutes acceptance of the updated terms. Last updated: May 2026.

Questions: info@offlend.com