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Terms and Conditions

Please read the details set out below carefully before using this website (the "Site"). By accessing this Site, you agree to be bound by the following terms and conditions and disclaimers (the "Terms").

References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site.

References to 'we', 'us' and 'our' are references to First Step Loans & Mortgages Ltd

TERMS
All our products and services and those of other members of First Step Loans & Mortgages Ltd Management Ltd are subject to the terms and conditions and disclaimers of the applicable agreement governing their use.

These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the Site. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of the Site shall prevail over these Terms.

The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access to or use of the Site will mean that you agree to any changes.

NO OFFER
Neither the information, nor any opinion contained in our Site constitutes an offer to sell or solicitation or an offer to buy any financial instruments or any advice or recommendation with respect to such financial instruments.

 
 

The First Step Service is clear, simple and straightforward, no matter how complex it may seem!

Please Note: Calls may be recorded and  used for training and monitoring purposes
 
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
FOR SECURED LOANS OUR TYPICAL RATE IS 10.9% APR VARIABLE
Rates range from 8.9% to 19.9% APR VARIABLE our highest rate is for customers with severe credit problems.
* Consolidating debts may increase the total amount repayable over the term of your new loan. The amount of monthly savings will depend on the type and term of credit you repay.

Secured Loans are subject to status and available to homeowners aged 18 or over.
On some loan plans a fee of between 0% & 10% of the loan amount may be charged, depending on your credit history and ability to prove income.  
First Step Loans & Mortgages Ltd is licensed under the Consumer Credit Act 1974. Our Consumer Credit Licence number is 586672, we are members of FISA (Finance Industry Standards Association) membership number is 17652411. Registered address: 1st Floor Offices, 3 Wigan Road, Westhoughton, Bolton. BL53RD
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