Terms of Service
These Terms govern your use of Business & House Loan’s services. Please read them carefully. By submitting an application or enquiry, you confirm you have read, understood, and agreed to be bound by these terms in full.
Introduction & Acceptance
Welcome to Business & House Loan Limited (“we”, “us”, “our”, “the Company”). These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you”, “your”, “the Client”) and Business & House Loan Limited, registered at 250 Muñoz Rivera Ave, Suite 700, San Juan, PR 00918, Puerto Rico.
By accessing our website at businessandhouseloan.com, submitting an enquiry, completing an application form, or otherwise engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety, together with our Privacy Policy and Cookie Policy.
⚠️ Important Notice
If you do not agree with any part of these Terms, you must immediately cease using our website and services. Continued use of our services after any modification to these Terms constitutes your acceptance of the revised Terms.
These Terms apply to all visitors, users, applicants, and others who access or use our services. We reserve the right to amend these Terms at any time. Material changes will be communicated via our website or directly by email where you have provided contact details.
Who We Are
Business & House Loan Limited is a regulated financial intermediary and whole-of-market mortgage and loan broker. We facilitate access to financial products on behalf of our clients by searching our panel of approved lenders to find suitable products based on individual circumstances.
Registered Office
250 Muñoz Rivera Ave, Suite 700
San Juan, PR 00918
Puerto Rico
Contact
Phone: +1 (939) 373-3031
Email: contact@businessandhouseloan.com
Legal: legal@businessandhouseloan.com
Regulatory Details
FRN: 987654
Regulated & Authorised
ICO Registered · GDPR Compliant
🏦 Important: We Are Not a Direct Lender
Business & House Loan acts exclusively as a broker and intermediary. We do not make lending decisions, hold client funds, or issue loans directly. All lending decisions are made solely by the individual lenders within our panel.
Our services are provided to clients located in Latin America and, in certain circumstances, to those with assets or property interests in the region. We operate entirely in USD and conduct all transactions in accordance with applicable regulations.
Eligibility Criteria
To use our services and submit an application, you must meet all of the following eligibility requirements. We reserve the right to verify any information provided and to decline applications that do not satisfy these criteria.
✅ You Must:
- Be at least 18 years of age
- Be a legal resident of Latin America or Puerto Rico
- Hold a valid government-issued photo ID
- Have a valid bank account in your own name
- Provide accurate and complete information throughout
- Have a legitimate purpose for the loan
- Be the beneficial owner of any property used as security
✗ You Must Not:
- Be subject to active bankruptcy proceedings
- Have undischarged county court judgments
- Provide false, misleading, or incomplete information
- Use our services for unlawful purposes
- Act as an agent for an undisclosed third party
- Have been refused financial services for fraud
💡 Self-Employed & Non-Standard Applicants
We welcome applications from self-employed individuals, contractors, and those with complex income structures. Our advisers are experienced in presenting non-standard income to lenders in the most favourable light. Contact us to discuss your specific situation before applying.
Our Services
Business & House Loan provides whole-of-market brokerage services across a comprehensive range of financial products. Our services are provided on an advised or execution-only basis depending on the product type and client requirement.
| Product | Rate From | Min. Loan | Max. Loan | Term |
|---|---|---|---|---|
| Residential Mortgage | 3.2% APR | $50,000 | $5,000,000 | 5–30 yrs |
| First-Time Buyer | 3.5% APR | $50,000 | $1,500,000 | 5–30 yrs |
| Remortgage | 3.1% APR | $50,000 | $5,000,000 | 2–30 yrs |
| Buy-to-Let | 4.1% APR | $75,000 | $3,000,000 | 5–25 yrs |
| Business Loan | 5.9% APR | $25,000 | $10,000,000 | 1–15 yrs |
| Bridging Loan | 0.65% pm | $100,000 | $5,000,000 | 1–24 mths |
| Debt Consolidation | 4.8% APR | $10,000 | $500,000 | 1–15 yrs |
| Sharia-Compliant Finance | 3.9% APR | $50,000 | $3,000,000 | 5–25 yrs |
* All rates are representative APRs and indicative only. Your actual rate will depend on your individual credit profile, lender assessment, and market conditions at the time of application.
Representative Rates & Illustrations
All rates, APRs, and payment estimates shown on our website, in our marketing materials, and within our loan calculator are representative figures only. They are provided for illustrative and comparison purposes and do not constitute an offer of credit or a guarantee of the rate you will receive.
📊 What Affects Your Personal Rate
Your individual rate is determined by a combination of factors assessed by the lender, including your credit history, income and employment status, deposit or equity amount, property type and location, loan-to-value ratio, and current market conditions. Your dedicated adviser will provide a personalised Key Facts Illustration (KFI) before any formal application is submitted.
- Representative APR is based on a loan to a client with a good credit history
- Variable rates may change in line with the lender’s standard variable rate or a base rate
- Fixed rates are guaranteed only for the specified fixed term period
- Early repayment charges may apply during fixed or introductory rate periods
- Your home or property may be at risk if you do not keep up repayments
We will always provide you with a personalised illustration that clearly shows your specific rate, total amount repayable, monthly payment, and any applicable fees before you are asked to commit to any product.
Fees & Charges
We are committed to complete transparency around costs. No fees of any kind are charged before you have received a formal offer and chosen to proceed. Our fee structure is straightforward and fully disclosed in your personalised documentation.
Initial Consultation
Completely free. No obligation, no credit check, no commitment. Talk to an adviser at zero cost.
Market Search
We search 60+ lenders at no charge to you. Finding the best rate is part of our free service.
Arrangement Fee
A broker arrangement fee may apply on some products. This is always disclosed before you commit — typically 0.5%–1.5% of loan value.
| Fee Type | When Charged | Amount | Notes |
|---|---|---|---|
| Consultation Fee | Never | $0 — Free | Always free, no exceptions |
| Broker Arrangement Fee | On completion only | 0.5%–1.5% | Disclosed in KFI before commitment |
| Lender Valuation Fee | On application | Varies by lender | Some products — fee-free valuation |
| Legal Fees | On completion | Varies | Payable to your conveyancer |
| Early Repayment Charge | If applicable | Varies by product | Only on fixed-rate products |
✅ Our Commitment to You
You will never be surprised by a fee. Every cost is listed in your Key Facts Illustration before you sign anything. If a fee applies to your product, we will tell you in writing exactly how much it is, when it is due, and what it covers. If you have any questions about costs, contact us at contact@businessandhouseloan.com or call +1 (939) 373-3031.
Application Process
Our application process is designed to be simple, transparent, and fast. From initial enquiry to a lending decision typically takes 48 hours. Here is what happens at each stage:
- Step 1 — Initial Enquiry: Complete our online form or call us. No credit check is performed at this stage. We gather basic information about your needs and circumstances.
- Step 2 — Adviser Consultation: A named adviser contacts you to discuss your requirements in detail, review your financial situation, and identify the most suitable products from our panel of 60+ lenders.
- Step 3 — Personalised Illustration: We provide a written Key Facts Illustration showing your recommended product, rate, monthly payment, total cost, and all applicable fees. No obligation to proceed.
- Step 4 — Formal Application: With your consent, we submit a formal application to the chosen lender. A credit check is carried out at this stage. You must provide all requested supporting documentation promptly.
- Step 5 — Lender Decision: Most decisions are received within 24–48 hours. We communicate all updates to you as they are received and manage all lender correspondence on your behalf.
- Step 6 — Offer & Completion: On approval, you receive a formal offer from the lender. For mortgages, completion occurs on your agreed date. For business loans, funds are typically released within 2–5 business days.
📋 Documentation You May Need
Depending on the product, you may be asked to provide: government-issued photo ID, proof of address (utility bill or bank statement, within 3 months), last 3–6 months’ bank statements, proof of income (payslips, tax returns, or accounts if self-employed), property details and mortgage statement (if remortgaging), and business financials (for commercial loans). Your adviser will provide a tailored document checklist.
Your Obligations
As a client of Business & House Loan, you agree to uphold the following obligations throughout your engagement with us. Failure to do so may result in suspension of your application or termination of our services.
📝 Accuracy of Information
You must provide complete, accurate, and truthful information at all times. Providing false or misleading information constitutes fraud and may be reported to the relevant authorities. Any material change in your circumstances must be disclosed to us immediately.
⏱️ Timely Response
You agree to respond promptly to requests for documentation or information. Delays caused by failure to respond may result in your application being withdrawn by the lender. We will always give you reasonable notice of deadlines.
- Maintain the accuracy of all information provided throughout the application
- Disclose any material changes in financial circumstances or employment
- Not apply simultaneously with multiple brokers for the same product without disclosure
- Use our services only for lawful and legitimate financial purposes
- Not misrepresent the purpose of any loan or the nature of any security
- Read and understand all documents before signing
- Seek independent legal advice where recommended to do so
Data & Privacy
We take the protection of your personal data extremely seriously. Business & House Loan is registered with the Information Commissioner’s Office (ICO) and complies fully with all applicable data protection legislation including GDPR.
🔒 How We Use Your Data
Your personal and financial data is used solely to process your application, search our lender panel, and communicate with you about your enquiry. We do not sell your data to third parties for marketing purposes. Data is shared with lenders solely to process your application and with credit reference agencies as required by lenders.
By submitting an application or enquiry, you consent to us:
- Processing your personal and financial data to assess your requirements
- Sharing necessary data with lenders on our approved panel
- Conducting a soft credit search (which does not affect your credit score) during initial assessment
- Conducting a full credit search (with your explicit consent) when submitting a formal application
- Contacting you by your preferred method with information relevant to your application
- Retaining your data for the period required by applicable law and regulation
For full details of how we collect, use, and protect your data, please see our Privacy Policy. You have the right to access, correct, or request deletion of your personal data at any time by contacting legal@businessandhouseloan.com.
Intellectual Property
All content on the Business & House Loan website — including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software — is the property of Business & House Loan Limited or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.
✅ Permitted Use
You may view, download, and print content solely for your personal, non-commercial use in connection with evaluating our services. You may link to our homepage provided it is done in a way that is fair and does not damage our reputation.
✗ Prohibited Use
You may not reproduce, redistribute, republish, sell, or create derivative works from our content without our prior written consent. Scraping, automated access, or use of our content for commercial gain is strictly prohibited.
The Business & House Loan name, logo, and all related marks are trademarks of Business & House Loan Limited. Nothing in these Terms grants you any right to use any trademark, trade name, or logo without our prior written consent.
Limitation of Liability
Business & House Loan’s liability to you is limited to providing fair, clear, and unbiased advice and intermediary services in accordance with applicable regulations. The following limitations apply:
⚠️ No Guarantee of Approval
We cannot guarantee that any application will be approved by a lender. Lending decisions are made entirely at the discretion of the individual lender based on their own criteria and assessment. We accept no liability for the decline of any application, regardless of our assessment at enquiry stage.
- We are not liable for decisions made by lenders on our panel
- We are not liable for changes in interest rates or market conditions
- We are not liable for losses arising from your reliance on indicative rate illustrations
- We are not liable for any indirect, consequential, or special losses
- We are not liable for third-party website content linked from our site
- Our total liability to you shall not exceed the broker fees actually paid by you to us
Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.
Your Property is at Risk: Your home or business property may be repossessed if you do not keep up repayments on a mortgage or secured loan. Think carefully before securing debt against your property.
Complaints Procedure
We are committed to providing the highest standard of service. If you are unhappy with any aspect of our service, we want to hear from you so we can resolve the matter promptly and fairly.
Step 1 — Contact Us
Email: complaints@businessandhouseloan.com
We will acknowledge within 24 hours.
Step 2 — Investigation
We aim to resolve all complaints within 8 weeks. We will keep you informed throughout the process.
Step 3 — Final Response
If unresolved, you may refer to the Financial Ombudsman Service free of charge.
📬 Complaints in Writing
You may also submit complaints in writing to: Compliance Department, Business & House Loan Limited, 250 Muñoz Rivera Ave, Suite 700, San Juan, PR 00918, Puerto Rico. Please include your full name, application reference, a description of your complaint, and your preferred contact method.
Governing Law
These Terms of Service and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of Puerto Rico and applicable United States federal law.
⚖️ Dispute Resolution
In the event of any dispute between you and Business & House Loan Limited, both parties agree to first attempt to resolve the matter through good-faith negotiation. If resolution cannot be reached within 30 days, either party may escalate the matter through the complaint procedure outlined in Section 12, or pursue the matter through the courts of Puerto Rico.
If any provision of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Our failure to enforce any provision of these Terms shall not be construed as a waiver of our right to do so in the future.
Changes to These Terms
We review and update these Terms periodically to reflect changes in our services, applicable law, and regulatory requirements. The date of the most recent revision is always shown at the top of this page.
- Material changes will be communicated by email to registered users where possible
- A notice will be displayed on our website for at least 30 days following any significant change
- Continued use of our services after the effective date of changes constitutes acceptance
- If you do not agree to the revised Terms, you must cease using our services
- Previous versions of these Terms are available upon request from legal@businessandhouseloan.com
📋 Version History
Version 3.1 — January 2026 (Current): Updated service territory, fee structure, and regulatory details.
Version 3.0 — July 2025: Expanded complaint procedures and data rights sections.
Version 2.5 — January 2025: Updated to reflect expanded LATAM service area.
Contact Us
For any questions, concerns, or requests related to these Terms of Service, please contact our legal and compliance team using the details below. We aim to respond to all legal enquiries within 2 business days.
Registered Address
Business & House Loan Limited
250 Muñoz Rivera Ave, Suite 700
San Juan, PR 00918
Puerto Rico
Email Contacts
General: contact@businessandhouseloan.com
Legal: legal@businessandhouseloan.com
Complaints: complaints@businessandhouseloan.com
Phone & Hours
+1 (939) 373-3031
Mon–Fri: 8:00am – 7:00pm AST
Saturday: 9:00am – 2:00pm AST
📄 Related Documents
These Terms should be read alongside our Privacy Policy, Cookie Policy, and any product-specific documentation provided to you by your adviser. Together these documents form the complete agreement between you and Business & House Loan Limited.