We strongly believe in protecting visitors to our website and any information that may be provided to us. Although we take your privacy seriously, please read carefully below to clarify our policy.

If you have any questions or would like to know more, please do not hesitate to contact us here.

What is Mortgage firmly respects the privacy and rights of all individuals and businesses we deal with. This privacy notice documents how we collect and process personal information from visitors to our website to individuals and companies we deal with when operating and providing services.

This notice should be read in conjunction with our website, and we will naturally update this notice from time to time. You are therefore encouraged to review the notice whenever you visit our website and/or before providing us with personal data to ensure you have access to the most up-to-date information at that time.

Why should you read this document?

While dealing with us, we will ask you to provide us with detailed personal information relating to your existing circumstances, financial situation and, in some cases, your health and family health history (Your Personal Data). This document is essential as it allows us to explain what we will need to do with Your Personal Data and the various rights you have about Your Personal Data.

What do we mean by “Your Personal Data”?

Your Personal Data is any information that describes or relates to your circumstances. Your Personal Data may identify you directly, for example, your name, address, date of birth, and National Insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.

In the context of providing you with assistance with your Mortgage/Loans and Financial services, Your Personal Data may include the following:

• Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity.
• Employment and remuneration information (including salary/bonus schemes/overtime/sick pay/other benefits), employment history.
• Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents.
• Health status and history, details of treatment and prognosis, and medical reports (further details are provided below expressly about the processing we may undertake about this type of information).
• Any pre-existing Mortgage/Loans/Financial services and the terms and conditions relating to these.

The basis upon which our Firm will deal with Your Personal Data

When we speak with you about your Mortgage/Loan/Financial service requirements, we do so on the basis that both parties are entering into a contract for the supply of services.

In order to perform that contract and to arrange the products you require, we have the right to use Your Personal Data for the purposes detailed below.

Alternatively, in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so, and your rights are not affected. For example, we may need to respond to requests from mortgage lenders and our Compliance Service Provider relating to the advice we have given you or to contact you to seek feedback on the service you received.

Occasionally, we will use Your Personal Data for contractual responsibilities or for more comprehensive compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be processing Your Personal Data to meet a legal, compliance or other regulatory obligation to which we are subject.

The basis upon which we will process certain parts of Your Personal Data

Where you ask us to assist you with your Mortgage and financial needs, we may ask you for information about your ethnic origin, your health and your medical history (Your Special Data). We will record and use Your Special Data to make enquiries to lenders concerning mortgage products that may meet your needs and provide you with advice/guidance regarding the suitability of any product that may be available to you.

If you have parental responsibility for children under the age of 13, we will also likely record information on our systems that relate to those children and, potentially, to their Special Data.

The arrangement of certain types of mortgages may involve disclosure by you to us of information relating to historic or current criminal convictions or offences (together “”Criminal Disclosures””). This is relevant to mortgage-related activities such as underwriting, claims and fraud management.

We will use special Data and any Criminal Disclosures in the same way as Your Personal Data generally, as set out in this Privacy Notice.

Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between mortgage intermediaries, such as our Firm and mortgage lenders, to enable customers to secure the finance that their needs require.

How do we collect Your Personal Data?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs, and preferences in relation to Mortgage/Loans and Financial Services. In addition, you will provide information to us verbally and in writing, including by email.

We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain, such as the voter’s roll. If we use technology solutions to assist in the collection of Your Personal Data, for example, software that is able to verify your credit status. We will only do this if we have consent from you for our nominated processor or us to access your information in this manner. With regards to electronic ID checks, we would not require your consent but will inform you of how such software operates and the purpose for which it is used.

What happens to Your Personal Data when it is disclosed to us?

In the course of handling Your Personal Data, we will:

• Record and store Your Personal Data in our paper files, mobile devices and on our computer systems (websites, email, hard drives, and cloud facilities). This information can only be accessed by employees and consultants within our Firm and only when it is necessary to provide our service to you and to perform any administration tasks associated with or incidental to that service.
• Submit Your Personal Data to Product Providers / Mortgage Lenders / Commercial Lenders / Conveyancers, both in paper form and online via a secure portal. The provision of this information to a third party is essential in allowing us to progress any enquiry or application made on your behalf and to deal with any additional questions or administrative issues that lenders and providers may raise.
• Use Your Personal Data for the purposes of responding to any queries you may have in relation to any Mortgage/Loans and financial services you may take out or inform you of any developments in relation to those products and/or policies of which we might become aware.

Sharing Your Personal Data

From time to time, Your Personal Data will be shared with the following:

• Mortgage/Loans/Financial and Conveyancing Firms.
• Third parties who we believe will be able to assist us with your enquiry or application or who are able to support your needs as identified. These third parties will include but may not be limited to, our Compliance Advisers, Product specialists, estate agents, providers of legal services such as estate planners, conveyancing, surveyors and valuers (in each case where we believe this to be required due to your particular circumstances).
• Data will be passed to Credit Reference Agencies, and searches will be conducted to validate your identity, credit history, and criminal records. The Credit Reference Agencies/Criminal Records Bureau may check the details supplied against any databases (public or otherwise) to which they have access. They may also use the details in the future to assist other companies for verification purposes. We may also use information gained from conducting the credit search to identify the most suitable lender for your circumstances. A record of the search will be retained but will not affect future credit. By signing this, you agree to a search being undertaken this way.

In each case, your Personal Data will only be shared for the purposes set out in this customer privacy notice, i.e. to progress your Mortgage/Loans/Financial/Conveyancing to provide you with our professional services.

Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages: it is shared to ensure we can adequately fulfil our responsibilities to you and as otherwise set out in this Customer Privacy Notice.

We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the European Economic Area.

Security and retention of Your Personal Data

Your privacy is important to us, and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party.

We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password-protected or encrypted and only using secure methods of postage when original documentation is being sent to us.

Your Personal Data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have a legal right to such information, we will retain records indefinitely.

Your rights in relation to Your Personal Data

You can:

• Request copies of Your Personal Data that is under our control.
• Ask us to explain further how we use Your Personal Data.
• Ask us to correct, delete or require us to restrict or stop using Your Personal Data (details as to the extent to which we can do this will be provided at the time of any such request).
• Ask us to send an electronic copy of Your Personal Data to another organisation should you wish.
• Change the basis of any consent you may have provided to enable us to market to you in the future (including withdrawing any consent in its entirety).

How to make contact with our Firm in relation to the use of Your Personal Data

If you have any questions or comments about this document or wish to make contact in order to exercise any of your rights set out within it, please contact:

Mr Alexandru-Sorin Varzaru – Tel: 07803818114

If we feel we have a legal right not to deal with your request or to act in a different way from how you have requested, we will inform you of this at the time.

You should also make contact with us as soon as possible upon your becoming aware of any unauthorised disclosure of Your Personal Data so that we may investigate and fulfil our own regulatory obligations.

Suppose you have any concerns or complaints about how we handled Your Personal Data. In that case, you may lodge a complaint with the UK’sUK’s data protection regulator, the ICO, who can be contacted through their website at or by writing to Information Commissioner’sCommissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.