Privacy Policy

As the controller of your data, The Mortgage People comply with and are registered under the Data Protection laws in the United Kingdom. We take all reasonable care to prevent any unauthorised access to and use of your personal information.

Why do we collect your personal information?

We collect personal information about you in order to:

• Process your request for a financial assessment, apply for a mortgage or protection product;
• To review your mortgage or protection product as part of an on-going client relationship with us as your broker;
• To respond to complaints and case enquiries.

Your personal information is required to enter into any contract you may undertake with us as your broker for a mortgage or protection product, and for us to provide information on relevant products and services. Without this information, it would not be possible for us to provide these services.

The personal information we collect

Personal information collected include:

• Your name
• Your date of birth
• Postal and email address
• Telephone contact details
• Employment details
• Financial information (bank statements, income & expenditure details, debit card details, savings, debts such as loans and credit cards, other assets, and employer & pension benefits)
• Special categories of personal data such as medical history for protection products
• Other related information to support your application and confirm your identity (such as UK residency status, retirement age)

Most personal information is collected by mortgage advisors when applying for a mortgage or protection product, or from the enquiry form on our website. However, some personal information is obtained from Housing Associations, Estate Agents and Home Builders and then passed to us with your consent.

How do we use your personal information?

As your broker, we use your personal information to discuss your personal circumstances with Housing Associations, mortgage lenders and protection providers, in order to determine the most appropriate product for your needs.

The personal information you provide may be used by automated decision-making systems to check your eligibility for products and services. A lender may then undertake credit enquiries upon receipt of your mortgage application.

Your personal information may be shared with The Mortgage People’s approved contractors or agents, in order to maintain the customer relationship by providing continuing advice as your broker and to inform you about relevant products and services.

Who we disclose personal information to

We disclose personal information to third parties such as lenders, conveyancers, Housing Associations and protection product suppliers, but only to what is necessary to conclude the mortgage and/or protection contracts and the ongoing servicing of these contracts.

It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf including those that provide professional, legal or accounting advice to The Mortgage People.

These companies are required to ensure appropriate security measures are in place and maintain the confidentiality of your information, and to use your personal information only in the course of providing such services as specified by The Mortgage People.

Finally, under limited circumstances, your personal information may be disclosed to third parties as permitted by, or to comply with, applicable laws and regulations, for instance, to meet our obligations to the Financial Conduct Authority (FCA) and when responding to subject access requests, proceedings of a court of law or similar legal process, to protect against fraud, and to otherwise cooperate with law enforcement or regulatory authorities.

The personal information you provide will not be passed to any third-party organisation for marketing purposes.

Personal information and marketing purposes

You will have the opportunity to indicate if you wish to receive communications from The Mortgage People about relevant services and products, together with other marketing communications when you provide your personal information.

If you subsequently want The Mortgage People to cease using your personal information for these purposes, please contact us at chirpy@tmpmortgages.co.uk.

How long is your personal information retained?

We will retain your personal information in accordance with applicable laws and while a client relationship is in place. The Financial Conduct Authority (FCA) requires data to be kept for 6 years from the date of full application.

Accessing your personal information

You have the right to access your personal information to check whether it is accurate and up-to-date. You also have the right to receive a copy of your personal information we process.

Changes to our Privacy Notice

We keep our Privacy Notice under regular review and we will place any updates on this web page. This Privacy Notice was last updated on 05/12/2017

Questions

If you have any questions or complaints relating to how we use your personal information, or if you wish to exercise any of your rights regarding your personal information, please contact chirpy@tmpmortgages.co.uk or write to us at Data Protection, The Mortgage People, Perfecta Works, Bath Road, Kettering, Northamptonshire, NN16 8NQ

We will respond to you as soon as is possible. The length of time will depend on the type and complexity of the request, but you will receive a response no later than one month from the initial request.

What if I am still not satisfied?

If you are not satisfied with how The Mortgage People has responded to your enquiry, you have the right to complain to the Information Commissioner’s Office (ICO), who is the regulator for data protection in the United Kingdom.

Because we play by the book we want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.