DISCLAIMER-DIRECT / EXTERNAL LINKS & REFFERALS TO ONLINE LENDING PARTNERS
Same Day Finance Ltd is a lead generation and referral service.
1. External Links and Third-Party Websites
This website may include external links or referrals to websites that are not part of First Rate Mortgages Limited (FRM), NonBk Limited (NB) or Same Day Finance Limited (SDF).
These links are provided for convenience and general information only, and when you choose to deal directly with any online lending partner, you are dealing solely with that lender and not with FRM, NB or SDF.
2. General Information Only (Not Financial Advice)
All content on this website, including lender profiles, is general information only and is not financial advice. FRM and NB can only provide regulated financial advice once you have formally engaged our services, completed our onboarding process, and we have assessed your personal objectives, financial situation, and needs. SDF does not provide regulated financial advice.
3. Regulatory Status (FRM, NB and SDF)
FRM and NB are the only entities within our group that provide regulated financial advice services. SDF is a referral website only and does not provide any form of financial advice.
4. Independence of Lenders and Referral Partners
Our online lending partners may include lenders such as Fundtap, Prospa, Homesec, Nobilo Finance Ltd, One Partner, Line Capital, Scotpac and Bizcap; however, this list is indicative only and may change at any time. External links to lending partners do not constitute an endorsement of any lender, product or service, and FRM, NB and SDF do not act for these lenders, nor do these lenders act for us.
5. Suitability and Independent Advice
We recommend that you check whether any product offered by a lender is appropriate to your needs, objectives and financial circumstances before acquiring it, including any personal or vehicle loans, mortgages, short-term business loans, invoice discounting or lines of credit. You should seek independent financial, legal or accounting advice before making any borrowing decision.
You may also contact FRM or NB to discuss available options, but we will require a completed Fact Find and supporting documentation (ID, income verification, credit checks and bank statements) before we can provide any financial advice.
6. Lender Criteria and Approval Times
Lenders apply their own credit criteria when assessing loan applications, including decisions about loan terms, interest rates and payment frequency.
Any approval timeframes mentioned by lenders, including references to 24-hour approval, are based on their own processes and may vary depending on complexity, loan amount, required documentation or solicitor involvement. All timeframes are indicative only and may change without notice.
7. Accuracy of Information
FRM, NB and SDF take reasonable care to ensure information is accurate, but we make no guarantee regarding the accuracy, adequacy or completeness of information about lenders or external links, and all information is subject to change without notice.
You use all external links and lender websites at your own risk, and FRM, NB and SDF are not responsible for any loss, damage or reliance arising from your use of any external website or content accessed through our site.
8. Referral Commissions
A referral commission may be paid to FRM, NB and/or SDF if your application is approved by a lending partner.
© First Rate Mortgages Limited, NonBk Limited, Same Day Finance Ltd – Version 3, February 2026
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