Complete Finance

Complete Finance

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Terms of Use


As an introducer and credit broker we will introduce you to a mortgage broker who will help you search for a mortgage and provide a matching service. To help you with your application and search for a mortgage, we pass your data to a broker or who in turn passes this information to a group of lenders and credit brokers on their lending panel. The lenders on the broker's panel may be willing to enter into a consumer credit agreement with you, subject to their assessment of your creditworthiness and the affordability of the mortgage among other compliance checks.  You will not be offered an unsuitable product.

We have commercial links with our trusted broker and will generally receive a payment from them (not you) in the form of a commission if they are successful in providing you with a mortgae. While the the broker's providers have been chosen to provide a variety of products, there are other products on the market that are not available from their panel and, one or more of them may be more appropriate or suitable for you, so you may wish to shop around.

We encourage you to consider the brokers' and Lenders' websites, FAQs, pre-contractual information and terms of the mortgage documentation carefully to determine whether the mortgage offered is suitable for your financial circumstances and whether you can afford to make the repayments under the proposed mortgage throughout its term.

We do not charge you a fee for the services or offer advice which assesses the merits of entering into a particular mortgage. If the broker matches you with a lender it is not a specific recommendation and we have not negotiated the terms of any mortgage agreements on your behalf.

As Complete Finance is not a lender, we cannot guarantee that completing and submitting your information via the form will result in you receiving a mortgage. Individual lenders may, at their discretion, require you to complete their own application process and undertake further checks.

Credit Searches

The broker we refer your enquiry to will make searches about you at credit reference agencies who will supply them with credit information, as well as with information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds.

Please contact the broker for full information


What happens if things go wrong? You should find your dealings with us and the broker we refer your enquiry to to be prompt, efficient and friendly. Our aim is to provide you with a professional and confidential service. If you have a complaint about any aspect of the service you have received, we will be happy to help resolve your concerns. We recommend that you bring your concerns to our attention as soon as possible – the sooner we know about it the sooner that we can resolve it. We have a formal complaints procedure to ensure that your complaint is handled quickly, fairly and efficiently; a leaflet with details of this process is available on request.

Please visit our complaints page for more information

If we or the broker are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service: Financial Ombudsman Exchange Tower London E14 9SR Tel: 0800 023 4567 (0300 123 9123 from mobile phones) Website:

General Terms of Use

The website is owned and maintained by Joel Malach. By accessing and using this website you are agreeing to abide by the terms and conditions contained in their Legal and Privacy Notice. If you do not agree to abide by these terms and conditions, please do not use this website. Our Correspondence address: Warwick House, Lowes Road, Bury. BL9 6PJ. Email: Joel Malach is authorised and regulated by the Financial Conduct Authority. Firm registration number 720851 Data Protection Registration Number Z8904952. Trading names include 1st Loan

Links to Other Websites

Links to third party websites are provided solely for your convenience. When you use the links you are leaving their website. Please be aware that they are not responsible for the content of third party websites or for the privacy practices of the operators of such other sites.

Links to this Website

We will allow third parties to link to our website only with our written consent. Consent will only be given if third parties agree: not to use or alter any of our trade marks or intellectual property, particularly The Complete Finance logo, without our written consent; not to imply that their products or services are endorsed by us; not to misrepresent their relationship with us; that their website does not contain anything that might negatively impact our reputation.

Cookies, Log Files, Clear Gifs

We do not use cookies, log files or clear gifs

Intellectual Property

The copyright and all other intellectual property rights in all material on this website are owned by Joel Malach. You may print and download extracts from it only if you do not modify documents or related graphics and our copyright and trade mark notices appear in all copies. Otherwise no part of this website may be reproduced or stored without our prior written permission.

Provision of Service

While we endeavour to ensure that this website is available 24 hours a day, access to it may be suspended temporarily and without notice, for example in the case of system failure, maintenance or other reasons beyond our control. We are not liable if the website is unavailable for any period of time.


We endeavour to ensure that the information on this website is correct and up to date. However, we do not warrant the accuracy and completeness of material on the website. We may make changes to website content, or to products and prices described in it, at any time and without notice.


We exclude all liability and responsibility for any loss or damage that may result to you or a third party in connection with this website or use thereof. This includes loss or damage caused by viruses. Note that their liability is not excluded or limited for death or personal injury caused by negligence; fraud; misrepresentation or any liability which cannot be excluded or limited under applicable law.

Changes to the Legal and Privacy Notice

We may make changes to our Terms at any time. Changes will be notified by the amended version of the Terms being posted on this website. You should therefore check this website from time to time to ensure you are aware of the latest terms and conditions applicable to your use of the website.

Governing Law

This Legal and Privacy Notice and your access to and use of this website is governed by and interpreted in accordance with English law. Disputes arising in connection with this Legal and Privacy Notice and your access to and use of this website are subject to the exclusive jurisdiction of the English courts.


Should you have any general queries or concerns regarding these Terms, please don’t hesitate to contact us using the email address below.

Contact details

Correspondence address: Warwick House, Lowes Road, Bury. BL9 6PJ.