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Terms of Business

All work to the point of application is at our cost.  A fee of £495 is payable when you submit a formal mortgage application after we have obtained a decision in principle.

If the mortgage does not proceed to completion, at our discretion we can transfer the fee to an alternative application. The fee also covers any subsequent remortgages on the same property.

For regular clients fees may be reduced or waived. Terms and conditions apply so please contact us for more information.

Our fees for Bridging and Commercial depend on the complexity of the case and will be agreed with you before any application is submitted. If the loan is complex we may charge a higher fee of up to 1% of the loan amount.

Regulatory Jurisdiction


Searchlight Finance Ltd is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 743220.

Company Number 07929050 registered in England at 7 St Petersgate Stockport Cheshire SK1 1EB.

The information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Data Protection Act

In order to process the application for funding the following information may need to be supplied, including accounts and personal financial details, by you, the Client, and by other sources such as your Bank and credit reference agencies.

We may also, when authorised by you in writing, apply for supplementary information from your professional or other advisers.

We will record this information (whether in manually operated or automated systems) and retain it only as long as we are required by law to do so. We will keep it as securely as possible.

We will use the information to assess the application, to approach a number of selected funders and, subsequently, in negotiations for the issue of an offer of funding with them.

In order to do so, we will disclose such of this information as is necessary to negotiate terms with a funding source, with employees of this business, any guarantor required by the funder, any person or organisation necessary to comply with any legal or regulatory requirements to which we may be subject, and anyone else whom you may specifically authorise in writing.

We may also use the information to monitor and analyse our business and, unless you instruct us in writing not to do so, contact you with details of products or services which may be of interest to you.

In the event that we search with credit reference agencies, we will need to disclose information about you. The credit reference agencies will record details of our searches. If you would like details of the credit reference agencies please write to us at the address stated.

Most of the information we hold is stored electronically on computer systems. However, some data, for example the details you handwrite on an application form are held as manual or paper copies. We are confident that our systems are secure, and that no one will be able to access your information unlawfully.

You have a right to ask for a copy of the information held by us in our records in return for a payment of a small fee (£10). You also have the right to require us to correct any inaccuracies in your information.

When you register with our website, in order to respond to your requirements we need to know your name, e-mail address and contact telephone number. We will keep a record of your contact and your email address.

In addition to specific services that you request, we may also contact you with details of relevant products and services, as well as information about the Company. If you do not want us to do this please let us know by e-mail.


Searchlight Finance Limited is registered in England and Wales No.07929050 Searchlight Finance Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (http://www.fca.org.uk/register) under reference 743220. The FCA do not regulate Business Buy to Let Mortgages or most Commercial Mortgages and Bridging Finance. ICO Number Z3109319. Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.

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