These terms and conditions govern the provision of various financial products and services by Loans Desire, including commercial mortgages, commercial finance, asset finance, business loans, bridging loans, vehicle finance, residential mortgages, and invoice factoring.

DEFINITIONS

In these terms and conditions:

(a) "we," "us," and "our" refer to Loans Desire, and "you" and "your" refer to our customers;

(b) "Services" refers to the commercial mortgages, commercial finance, asset finance, business loans, bridging loans, vehicle finance, residential mortgages, and invoice factoring services we provide to you.

Eligibility Criteria

Loans Desire provides financial products and services to eligible individuals and businesses based on their creditworthiness, financial stability, and other factors that Loans Desire deems appropriate. The eligibility criteria for each product or service may vary, and Loans Desire reserves the right to modify these criteria at any time without prior notice.

To apply for any of our Services, you must complete our online application form and provide us with accurate and complete information. We reserve the right to reject your application if we believe that you have provided false or misleading information.

Loan Terms

The terms and conditions of each loan, mortgage, or financing agreement will be outlined in a separate agreement, which the borrower must sign and abide by. The loan terms may include but are not limited to interest rates, repayment schedule, penalties for late payments, and prepayment fees. Loans Desire reserves the right to modify these terms at any time without prior notice.

Security

Loans Desire may require security or collateral in the form of real estate, vehicles, equipment, or other assets to secure the loans or financing provided. The borrower agrees to provide such security or collateral and authorises Loans Desire to register its interest in such assets with the relevant authorities.

Fees and Charges

Loans Desire may charge fees and charges for the financial products and services it provides. These fees and charges will be clearly stated in the loan agreement, and the borrower agrees to pay these fees and charges in accordance with the terms of the agreement.

Privacy

We are committed to protecting your privacy and will only use your personal information in accordance with our Privacy Policy, which is available on our Website.

Liability

We will not be liable for any loss or damage you suffer as a result of using our Services, except where we have acted negligently or breached these terms and conditions.