Our Terms & Conditions Who we are and who regulates us

Terms and Conditions

Who are we?

The Personal Finance Centre is a trading style of Key Loans and Mortgages Limited.

We are a consumer credit broker who offer solutions in the personal finance market. We believe in offering customers a better way to shop for a loan than the standard comparison model.

We don’t offer headline rates to those customers who won’t qualify for them.

Our years of experience in the loans and secured loans market ensure customers have the best possible journey from the moment they start their application right through to getting the funds in their bank account. This means that you can be sure that you, the customer, are at the heart of what we do as a business.

What is our main office address?

The Personal Finance Centre
The Nook
Saunders Way
EX15 1BS

Registered in England and Wales. Company number 06524192.

Who regulates us?

Key Loans and Mortgages is authorised and regulated by the Financial Conduct Authority (Firm reference number 734892)
Our Data Protection Register number is ZA242735.

Your Contact Details

We will use these details to contact you by telephone, email or text message to discuss your application(s). You can withdraw your consent at any time, please contact us if you want to do so. If you withdraw your consent this may mean that we may not be able to provide certain products or services to you. If this is so, we will tell you.

Accuracy of loan quotes

The Personal Finance Centre takes every care to ensure the accuracy of the loan quotes which are based on the latest information available from the lenders at that time. However, the lenders on the panel reserve the right to change % APR or %APRC rates and underwriting criteria at any time and without notice. This may result in a change to the loan/secured loan offered to you or may result in the loan/secured loans offer being withdrawn.

The accuracy of the loan/secured loan quotes depends upon the accuracy of the information you have provided. The Personal Finance Centre and the lenders on the panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes as a result of these checks, the original offer may be changed or withdrawn.

The expected time periods from submitting your application to receiving your loan/secured loan funds are only a guide. Any delay in the returning of your loan documents, proof of income or identification and/or delays with any third party we or the lender need to contact in order to process your application, may result in your application taking longer to complete.

If you’re thinking of consolidating existing borrowing you should be aware that although you may reduce your monthly outgoings you may be extending the terms of the debt and increasing the total amount you repay.

It’s important that you can afford the repayments now and continue to do so throughout the term of the loan as failure to keep up with your repayments could lead to defaults, CCJ’s, ultimately bankruptcy and affect your ability to obtain future credit.

Review, correction and deletion of information we hold.

You have the right to request copies of all records we hold about you. You may request this by writing to us at:

FAO: The Compliance Team
The Personal Finance Centre
The Nook
Saunders Way
EX15 1BS

This service is free of charge. We shall respond to your request as promptly as possible, but no later than 30 calendar days from receiving it.

What law is applicable to your contract with us?

In legal disputes, the Law of England will apply. As required by law, please note any terms and conditions of your application and agreements will be in English, governed by the laws of England and Wales and we will communicate with you in English.

How do we use third party websites?

Our website may contain links to sites operated by persons outside The Personal Finance Centre. These terms and conditions do not apply to those websites. We are not responsible for the privacy practices, content, or the products and services provided through those sites. We do not accept any responsibility for such third party website, including without limitation for their accuracy, security, the products or services which they offer or for any information which is collected through them. You are responsible for reviewing and abiding by the privacy policies and website terms and conditions of such third-party websites.

How we earn our money

Our income is derived from commissions paid by the lenders and other third parties we deal with for any successful introduction we make. In addition, a broker fee may be charged in relation to a mortgage product you choose to cover our administration and processing costs. This fee will be reflected in the APRC applied to the mortgage/secured loan. If you chose to add the fees to the mortgage/secured loan it will be included in any monthly payment you are quoted. You can opt to pay the broker fee up-front, your Adviser will discuss these options with you.

How to give feedback or make a complaint.

Your opinion is very important to us. Listening to your views helps us develop our company ethos of having customers at the heart of what we do!

Please e-mail us at:
with any feedback you may have that may help us to improve our service.

Our full complaints process can be found on our Privacy and Your Rights page.

Terms of use

Your use of this website constitutes your agreement to all the terms of use detailed below.

The information that is made available on this website is intended for general information purposes only and is provided on an ‘as is’ basis without any warranties of any kind. The Personal Finance Centre does not accept any liability for any loss arising as a result of reliance on the information contained on this website.

This website is owned by The Personal Finance Centre and is protected by copyright and database rights. You acknowledge that all trademarks (registered or unregistered) used in providing this service shall remain the property of The Personal Finance Centre at all times.

You shall not copy, adapt, exploit or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.

We may make improvements or changes to the products, services and prices detailed on this website at any time without notice.

You agree that you will not use this website to:

Commit or encourage any criminal offence, including but not limited to harming a minor in any way and stalking or harassing another;

Insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this website, including carrying out any hacking activity;

Circumvent, or attempt to seek to circumvent, any of the security safeguards of this website;

Permit any third party to do any of the above.

While we try and ensure that all information on this website is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error, we will amend the website as soon as reasonably possible.

We neither warrant nor represent that your use of this website will not infringe the rights of third parties.

We are interested in protecting your personal information and we only use your personal information in accordance with our Data Protection Policy.

You have sole responsibility for adequate protection and backup of data and/or equipment used by you in connection with this website and will not make a claim against The Personal Finance Centre for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of such materials.

We may edit this policy from time to time. If we make any substantial changes we will notify you by posting a prominent announcement on our pages.

The Personal Finance Centre reserves the right to refuse access to this website or any component of it. We may at any time, at the discretion of the site’s management, refuse access to certain areas of this website to any individual it chooses – this refusal of access may take whatever form the management deem suitable.

These terms shall be governed by and construed in accordance with English law and subject to the exclusive jurisdiction of the English Courts.

This site is controlled and operated by The Personal Finance Centre from the United Kingdom. The Personal Finance Centre makes no representations that materials in this website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so at their own risk and are responsible for compliance with any and all local laws, if and to the extent local laws are applicable. No material from this website may be downloaded, exported or re-exported into (or to a national or resident of) any countries that are subject to UK exporting restrictions/legal or socio-economic sanctions.

If you have any questions about these Terms and Conditions, or any other aspect of this website please contact us at:

FAO Customer Service Team
The Personal Finance Centre
The Nook
Saunders Way
EX15 1BS

01482 968 600


Calls may be recorded for training and monitoring purposes.

Copyright 2023, All Right Reserved, The Personal Finance Centre

Privacy & Your Rights | Terms and Conditions | Vulnerable Customer Support