What happens when you start an enquiry?
Start by answering a few questions about the borrowing, the property and your circumstances. Contact details come last. Figures stay out of the page address. The form is sent to Loans Warehouse for assessment, and Loans Warehouse contacts you. Sending this form is an enquiry, not an application, an offer or a lending decision.
The Second Mortgage Company is a trading style of COLOFS.co.uk LTD, is an Introducer Appointed Representative (FCA number 982062) of Loans Warehouse whose office address is 1a, Blackmoor Lane, Watford WD18 8YW, who provides mortgage products and services.
ImportantAs a mortgage is secured against your home, your home could be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home.
Use the form above to begin. Starting an enquiry is not an offer, a piece of advice, or a guarantee that any borrowing will be available.
What the form asks
- Loan details: amount, purpose, homeowner status, property and timing, only where those questions apply.
- Personal details: name, age and address, including a UK postcode.
- Income details: employment, household income, dependents, a self-assessed credit view, and any near-term change in circumstances.
- Contact details: email, phone, marketing choice and agreement to the terms and privacy notice.
These are the sections of the short enquiry form. They are not the later fact-find, advice or lender application. How it works sets out what happens after the form is sent.
Privacy while you complete the form
Answers are not added to the page address as you move through the steps. They are saved in this browser until you send the form, or until that browser session ends. Sending the form emails those answers so the enquiry can be passed to Loans Warehouse for assessment. Marketing preferences are separate from the agreement needed to send the enquiry. The privacy information explains what is collected, who delivers the email, and how long it is kept.
After you submit
When an enquiry is received, the confirmation message states that plainly. It does not describe an application, an approval or a guaranteed rate. Loans Warehouse contacts you to gather further information. Who holds the data, and how to correct or withdraw it, is set out in the privacy information.
Read how it works for the fuller picture of what happens after this first step, or the privacy information before continuing if you would like to first.
Frequently asked questions
Do I need to enter everything on the first screen?
No. The form asks one question at a time. Borrowing and property questions come first. Names, address and contact details come later. Nothing you type is placed in the page address, and sending the form is still only an enquiry.
Is this an application?
No, not at this stage. Completing the form starts an enquiry that is sent to Loans Warehouse for assessment. An application, if one proceeds, comes later, after Loans Warehouse has contacted you and you have chosen to go further. Sending these answers does not commit anyone to borrowing or to a lending decision.
Who will handle my enquiry?
The form is sent to Loans Warehouse for assessment. Loans Warehouse contacts you to gather further information, then handles advice, assessment and any credit search. The Second Mortgage Company is the introducer. It does not lend money, does not provide regulated advice and does not make any lending decision.
Will I get a guaranteed rate?
No. No rate, amount or outcome is indicated at this stage, and none can be promised in advance of a full assessment. Any figure discussed later in the process depends on an individual assessment by the relevant lender, not on anything stated on this page.
Can I read the privacy information first?
Yes. The privacy information explains what is collected at each stage, why, and how it is used, and it can be read at any point before or during the enquiry. Reading it first is entirely reasonable and does not affect the enquiry itself.