Below are the points that you need to know about Portland Finance Limited and our service that we offer. We ask you to read the terms and conditions in full before using our service this is to make sure you are satisfied with what we offer. If you do not agree or are not happy with our terms and conditions, we ask you politely not to use our service.
“Terms” mean these terms and conditions
“Users” mean users of the website.
“User Information” this means information provided by the user on the website or via any advert.
“We/Our/Us” means Portland Finance Limited
“Portland” means Portland Finance Limited
“Website” means our website.
“Adds” means any advertising material under our names.
“Lender/Provider/Broker” means any 3rd party that we may decide to share the application details within order to use our service for example other lenders or master brokers.
Who we are.
Portland Finance Limited we are a main lender, introducer, and broker. Our company registration number is 09421937. We are registered in England & Wales and our registered office is 148 Portland Road, Hove, BN3 5QL. We are regulated and Authorised by the Financial Conduct Authority under firm registration no: 812432. We are also registered and licensed by the Information Commissioners Officer under Registration number – ZA531202.
This website and forms are governed under the laws of the United Kingdom (and English law in particular). Any contractual or non-contractual obligations or disputes in connection with these terms and conditions arising you agree to be exclusive jurisdiction of the English Courts. This document and any credit agreement are in the English Language. We undertake to communicate with you in English during the duration of the loan application process and any loan you enter into. The information contained in this pre-contract disclosure is only valid in respect of the proposed loan application and during the term of any ensuing loan.
What we do
We are a lender, broker & introducer. For our broking & introducer services we share information with other master brokers and lenders. We may charge a commission depending on type of loan however usually we get paid by commission from the lender.
We lend fixed sums of money at a fixed interest rate over a fixed period. Any loan is subject to approving your application and you signing a formal credit agreement at www.portlandfinance.co.uk. The credit agreement contains other information that we are obliged to supply to you, including the duration of the loan, the applicable %APR, how to cancel the loan, how to repay the loan early, the total amount you must repay, and any charges that may be payable under the credit agreement if you are in default
You may settle the loan at any time before the term expires and interest will be calculated and applied to give you a settlement figure. Interest is calculated and applied monthly to the loan on the day of signing the agreement at the beginning of each contract month and if you redeem early interest will be charged to the end of the contract month in which you redeem. Any loan is subject to us approving your application and you signing a formal credit agreement.
Unless stated otherwise we may contact you via telephone, SMS, post or email to provide information and alerts relating to your application or services we think may be of interest to you.
Credit Checks & Referencing
Credit checks and credit reference agencies can also help prevent fraudulent applications, so we ask you to agree to us using data provided for the purposes of preventing fraud and ensuring your identity is protected. Upon application, Portland Finance, or any other lender or finance provider may use both fraud prevention and credit referencing agencies to help make relevant decisions. We will need to identify you with a copy (not an original) of one proof of photo ID ie Passport or Driving Licence. Also one proof of home address dated within the last 3 months ie Gas, Electricity or Council Tax etc.
If any part of this Service Agreement that is not fundamental is found to be illegal or unenforceable, such a finding will not affect the validity or enforceability of the remainder of the Agreement.
Complaints & Compliance
If you want to make a complaint about the lending process or the loan you can email, with brief details of your complaint and your account number. We will acknowledge your complaint by email within 1 working day. We will investigate and send you an initial response to the complaint and most complaints may well be resolved by close of business on the business day after the compliant is received. After receiving the complaint, we will send you either a final response or a response that explains why we are not in a position to resolve the complaint and indicates when we will make further contact. Complaints about the lending process of the loan that we cannot settle within 8 weeks after the date of complaint may ultimately be referred to the Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR or telephone 0800 023 4567. You can contact the Financial Ombudsman Service in writing, by email at firstname.lastname@example.org or by phone on
To make a general enquiry concerning consumer credit licensing matters, please telephone the Financial Conduct Authority on 0800 111 6768 between 9am and 5pm Monday to Friday. To search the public register of consumer credit licenses, please either telephone or visit the Financial Conduct Authority.