Agreement
If you continue to browse and use this website, you agree to these terms and to our privacy policy. If you do not agree, do not use the site.
"The Second Mortgage Company", "we" and "us" in these website terms means COLOFS.co.uk LTD, trading as The Second Mortgage Company. "You" means the person using the site.
The Second Mortgage Company is an Introducer Appointed Representative (FCA number 982062) of Loans Warehouse, 1a, Blackmoor Lane, Watford WD18 8YW, which provides mortgage products and services. Loans Warehouse Ltd's company number is 5771864.
Information on this website
Content on this site is general information about second charge mortgages, HELOCs and related topics. It is not personal financial advice and it is not a recommendation, offer or lending decision.
Neither we nor any third party promises that the information is complete, current or suitable for a particular purpose. You use it at your own risk. It is your responsibility to check that any product or service you later consider meets your needs, through Loans Warehouse and the lender, not through this website alone.
We may change pages without notice.
Introducer role and fees
The Second Mortgage Company does not lend and does not provide regulated advice on this website. Enquiries started here are sent to Loans Warehouse for assessment. Loans Warehouse contacts the applicant and handles advice, assessment and credit checks.
There are no fees or charges for using this website. Loans Warehouse usually charges a fee and pays us an introductory fee only on applications that complete. Fee details are in the site footer and will be discussed at the earliest opportunity during an enquiry.
Quote journey, credit searches and fraud prevention
Browsing this site, or sending the enquiry form, does not by itself run a credit search. The credit question on the form is your own description. It does not contact a credit reference agency.
If you confirm agreement to proceed with Loans Warehouse, it may use Account Information Service Providers, credit reference agencies and fraud prevention agencies to help make decisions. By agreeing to proceed you accept that Loans Warehouse and those agencies may use information in the ways summarised here and in the privacy policy.
In particular, Loans Warehouse may:
- Search agencies using current and previous names, addresses and dates of birth for everyone named on an application
- Use that information, including scoring that may be automated, to verify identity, prevent fraud and money laundering, and manage accounts
- Cause a search footprint to be placed on a credit file whether or not the application proceeds; other organisations may see that a credit search was made
- Check financial associates' records on a joint application, or where you already have a joint financial link
- Receive public information such as county court judgments and bankruptcy records, electoral-register information and fraud-prevention information
If you give details about other people, you must have their agreement. If false or inaccurate information is given and fraud is identified, details may be passed to credit reference and fraud prevention agencies.
Agencies may supply information about you and financial associates to other organisations to prevent crime, check accounts, verify identity, make credit decisions, trace people and recover debts, and for statistical analysis. Fraud prevention agencies may also use information in insurance, employment and similar checks.
Your data may also be used where you give specific permission, where the law requires it, or in the limited cases data protection law allows. Other products will only be offered where that is permitted.
You can ask the main UK agencies what they hold. They may charge a statutory fee. Current contacts include:
- TransUnion, Consumer Services Team, One Park Lane, Leeds, LS3 1EP, 0300 024 7574, transunion.co.uk
- Equifax, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US, equifax.co.uk
- Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF, experian.co.uk
- Credit Kudos, 4 Bath Place, London, EC2A 3DR, 020 3096 7180, creditkudos.com
Calculators and tools
Any calculator on this site produces illustrative figures from the inputs you enter. It is not a quote, offer, eligibility result or lending decision. This site does not publish a typical or from rate, because second charge pricing depends on the applicant, property and product. See why rates vary.
Intellectual property and acceptable use
Material on this website is owned by us or licensed to us, including the design, layout and graphics. You may not copy it except as these terms or a copyright notice allow.
Trade marks that are not ours are acknowledged.
Unauthorised use of the website may be a civil claim and, in some cases, a criminal offence.
Links
Pages may link to other websites for convenience. A link is not an endorsement. We are not responsible for the content of linked sites.
Liability
To the fullest extent the law allows, we exclude liability for inaccuracies or errors in the information and materials on this website. Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud, or for any other liability that English law does not allow to be excluded.
Governing law
Use of this website, and any dispute arising from that use, is subject to the laws of England and Wales. The courts of England and Wales have jurisdiction.
Changes and contact
We may update these terms by publishing a new version on this page. This version is dated 1 September 2026.
Questions about the website can be sent via the contact page. Privacy requests are explained in the privacy policy.