Mortgages Inc. Ltd understands that your privacy is important to you and that you care about
how your personal data is used and shared online. We respect and value the privacy of
everyone who visits this website, www.mortgagesinc.co.uk (“Our Site”) and will only collect
and use personal data in ways that are described here, and in a manner that is consistent
with Our obligations and your rights under the law.
Please read this Privacy Policy carefully and ensure that you understand it. [Your
acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site]
AND/OR [You will be required to read and accept this Privacy Policy when signing up for an
Account]. If you do not accept and agree with this Privacy Policy, you must stop using Our
Site immediately.
In this Policy the following terms shall have the following meanings:
“Account” means an account required to access and/or use
certain areas and features of Our Site;
“Cookie” means a small text file placed on your computer or
device by Our Site when you visit certain parts of Our
Site and/or when you use certain features of Our Site.
Details of the Cookies used by Our Site are set out in
section 13, below;
[“Cookie Law” means the relevant parts of the Privacy and Electronic
Communications (EC Directive) Regulations 2003;]
“personal data” means any and all data that relates to an identifiable
person who can be directly or indirectly identified from
that data. In this case, it means personal data that you
give to Us via Our Site. This definition shall, where
applicable, incorporate the definitions provided in the
EU Regulation 2016/679 – the General Data
Protection Regulation (“GDPR”); and
“We/Us/Our” means Mortgages Inc. Ltd, a limited company
registered in England under company number
5051867, whose registered address is Rectory Mews, Crown Road, Wheatley, Oxfordshire OX33 1UL, and
whose main trading address is 30 Elton Crescent,
Wheatley, Oxford, OX33 1UZ.
2.1 Our Site is owned and operated by Mortgages Inc. Ltd, a limited company
registered in England under company number 5051867, whose registered
address is Rectory Mews, Crown Road, Wheatley, Oxfordshire OX33 1UL and
whose main trading address is 30 Elton Crescent, Wheatley, Oxford, OX33
1UZ.
Privacy and Cookie Policy
2.2 Our Data Protection Officer is Adam Stretton, and can be contacted by email
at enquiries@mortgagesinc.co.uk
2.3 We are regulated by the Financial Conduct Authority.
2.4 We are Appointed Representatives of The Right Mortgage Ltd.
This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.
4.1 As a data subject, you have the following rights under the GDPR, which this
Policy and Our use of personal data have been designed to uphold:
4.1.1 The right to be informed about Our collection and use of personal data;
4.1.2 The right of access to the personal data We hold about you (see
section 12);
4.1.3 The right to rectification if any personal data We hold about you is
inaccurate or incomplete (please contact Us using the details in section
14);
4.1.4 The right to be forgotten – i.e. the right to ask Us to delete any
personal data We hold about you (We only hold your personal data for
a limited time, as explained in section 6 but if you would like Us to
delete it sooner, please contact Us using the details in section 14);
4.1.5 The right to restrict (i.e. prevent) the processing of your personal data;
4.1.6 The right to data portability (obtaining a copy of your personal data to
re-use with another service or organisation);
4.1.7 The right to object to Us using your personal data for particular
purposes; and
4.1.8 Rights with respect to automated decision making and profiling.
4.2 If you have any cause for complaint about Our use of your personal data,
please contact Us using the details provided in section 14 and We will do Our
best to solve the problem for you. If We are unable to help, you also have the
right to lodge a complaint with the UK’s supervisory authority, the Information
Commissioner’s Office.
4.3 For further information about your rights, please contact the Information
Commissioner’s Office or your local Citizens Advice Bureau.
Depending upon your use of Our Site, We may collect some or all of the following
personal and non-personal data (please also see section 13 on Our use of Cookies
and similar technologies:
5.1 name;
5.2 date of birth;
Privacy and Cookie Policy
5.3 gender;
5.4 business/company name
5.5 job title;
5.6 profession;
5.7 contact information such as email addresses and telephone numbers;
5.8 demographic information such as post code, preferences and interests;
5.9 financial information such as credit / debit card numbers;
6.1 All personal data is processed and stored securely, for no longer than is
necessary in light of the reason(s) for which it was first collected. We will
comply with Our obligations and safeguard your rights under the GDPR at all
times. For more details on security see section 7, below.
6.2 Our use of your personal data will always have a lawful basis, either because
it is necessary for Our performance of a contract with you, because you have
consented to Our use of your personal data (e.g. by subscribing to emails), or
because it is in Our legitimate interests. Specifically, We may use your data for
the following purposes:
6.2.1 Providing and managing your access to Our Site;
6.2.2 Personalising and tailoring your experience on Our Site;
6.2.3 Supplying Our services to you (please note that We require your
personal data in order to enter into a contract with you);
6.2.4 Personalising and tailoring our services for you;
6.2.5 Replying to emails from you;
6.2.6 Supplying you with emails that you have opted into (you may
unsubscribe or opt-out at any time;
6.2.7 Analysing your use of Our Site and gathering feedback to enable Us to
continually improve Our Site and your user experience;
6.3 With your permission and/or where permitted by law, We may also use your
data for marketing purposes which may include contacting you by email
AND/OR telephone AND/OR text message AND/OR post with information,
news and offers on Our services. We will not, however, send you any
unsolicited marketing or spam and will take all reasonable steps to ensure that
We fully protect your rights and comply with Our obligations under the
GDPR]and the Privacy and Electronic Communications (EC Directive)
Regulations 2003.
6.4 You have the right to withdraw your consent to Us using your personal data at
any time, and to request that We delete it.
6.5 We do not keep your personal data for any longer than is necessary in light of
the reason(s) for which it was first collected. Data will therefore be retained for
the following periods (or its retention will be determined on the following
bases):
6.5.1 Indefinitely to allow us to defend and respond to any complaints;
7.1 We only keep your personal data for as long as We need to in order to use it
as described above in section 6, and/or for as long as We have your
permission to keep it.
7.2 Your data will only be stored in the UK.
7.3 Data security is very important to Us, and to protect your data We have taken
suitable measures to safeguard and secure data collected through Our Site.
7.4 Steps We take to secure and protect your data include:
7.4.1 Password protection and encryption.
8.1 Subject to section 8.2, We will not share any of your data with any third parties
for any purposes.
8.2 In certain circumstances, We may be legally required to share certain data
held by Us, which may include your personal data, for example, where We are
involved in legal proceedings, where We are complying with legal obligations,
a court order, or a governmental authority.
9.1 We may, from time to time, expand or reduce Our business and this may
involve the sale and/or the transfer of control of all or part of Our business.
Any personal data that you have provided will, where it is relevant to any part
of Our business that is being transferred, be transferred along with that part
and the new owner or newly controlling party will, under the terms of this
Privacy Policy, be permitted to use that data only for the same purposes for
which it was originally collected by Us.
9.2 In the event that any of your data is to be transferred in such a manner, you
will be contacted in advance and informed of the changes. When contacted
you will not, however, be given the choice to have your data deleted or
withheld from the new owner or controller.
10.1 In addition to your rights under the GDPR, set out in section 4, when you
submit personal data via Our Site, you may be given options to restrict Our
use of your data. In particular, We aim to give you strong controls on Our use
of your data for direct marketing purposes (including the ability to opt-out of
receiving emails from Us which you may do by unsubscribing using the links
provided in Our emails and at the point of providing your details [and by
managing your Account).
10.2 You may also wish to sign up to one or more of the preference services
operating in the UK: The Telephone Preference Service (“the TPS”), the
Corporate Telephone Preference Service (“the CTPS”), and the Mailing
Preference Service (“the MPS”). These may help to prevent you receiving
unsolicited marketing. Please note, however, that these services will not
prevent you from receiving marketing communications that you have
consented to receiving.
11.1 You may access certain areas of Our Site without providing any data at all.
However, to use all features and functions available on Our Site you may be
required to submit or allow for the collection of certain data.
11.2 You may restrict Our use of Cookies. For more information, see section 13
You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at enquiries@mortgagesinc.co.uk, or using the contact details below in section 14.
13.1 Our Site may place and access certain first party Cookies on your computer or
device. First party Cookies are those placed directly by Us and are used only
by Us. We use Cookies to facilitate and improve your experience of Our Site
and to provide and improve Our services. We have carefully chosen these
Cookies and have taken steps to ensure that your privacy and personal data is
protected and respected at all times. All other data will be retained as strictly necessary.
13.2 All Cookies used by and on Our Site are used in accordance with current
Cookie Law.
13.3 Before Cookies are placed on your computer or device, you will be shown a
prompt requesting your consent to set those Cookies. By giving your consent
to the placing of Cookies you are enabling Us to provide the best possible
experience and service to you. You may, if you wish, deny consent to the
placing of Cookies; however certain features of Our Site may not function fully
or as intended. You will be given the opportunity to allow only first party
Cookies and block third party Cookies.
13.4 Certain features of Our Site depend on Cookies to function. Cookie Law
deems these Cookies to be “strictly necessary”. These Cookies are shown
below in section
13.5. Your consent will not be sought to place these Cookies,
but it is still important that you are aware of them. You may still block these
Cookies by changing your internet browser’s settings as detailed below in
section 13.9, but please be aware that Our Site may not work properly if you
do so. We have taken great care to ensure that your privacy is not at risk by
allowing them.
13.5 The following first party Cookies may be placed on your computer or device:
Name of Cookie Purpose Strictly Necessary
<<URL:>> <<www.mortgagesinc.co.uk>> <<yes>>
<<URL:>> <<analytics.google.com>> <<yes>>
13.6 Our Site uses analytics services provided by Google. Website analytics refers
to a set of tools used to collect and analyse anonymous usage information,
enabling Us to better understand how Our Site is used. This, in turn, enables
Us to improve Our Site and the services offered through it. You do not have to
allow Us to use these Cookies, however whilst Our use of them does not pose
any risk to your privacy or your safe use of Our Site, it does enable Us to
continually improve Our Site, making it a better and more useful experience
for you.
13.7 The analytics service used by Our Site use Cookies to gather the
required information.
13.8 The analytics service used by Our Site use the following Cookies:
Name of Cookie First / Third Party
Provider Purpose
<<_gid>> <<First party>>
<<.mortgagesinc.co.uk>>
<<analytics>>
<<#collect>> <<First party>>
<<mortgagesinc.co.uk>>
<<analytics>>
<<_ga>> <<First party>>
<<mortgagesinc.co.uk>>
<<analytics>>
<<_gat#>> <<First party>>
<<mortgagesinc.co.uk>>
<<analytics>>
13.9 In addition to the controls that We provide, you can choose to enable or
disable Cookies in your internet browser. Most internet browsers also enable
you to choose whether you wish to disable all cookies or only third party
cookies. By default, most internet browsers accept Cookies but this can be
changed. For further details, please consult the help menu in your internet
browser or the documentation that came with your device.
13.10 You can choose to delete Cookies on your computer or device at any time,
however you may lose any information that enables you to access Our Site
more quickly and efficiently including, but not limited to, login and
personalisation settings.
13.11 It is recommended that you keep your internet browser and operating system
up-to-date and that you consult the help and guidance provided by the
developer of your internet browser and manufacturer of your computer or
device if you are unsure about adjusting your privacy settings.
If you have any questions about Our Site or this Privacy Policy, please contact Us by Privacy and Cookie Policy email at info@mortgagesinc.co.uk, by telephone on (01865) 874811, or by post at 30 Elton Crescent, Wheatley, Oxford, OX33 1UZ. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 12, above).
We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.
This document states our terms. You need to read this important document. It explains the service we provide and the costs involved.
By continuing with this service, you are agreeing to the terms included in this document.
Mortgages Inc. Ltd is an appointed representative of The Right Mortgage Limited who are authorised and regulated by the Financial Conduct Authority (FCA). You can check our details and regulatory permissions on the FCA Register online or on 0800 111 6768. Our FCA reference number is 413914.
Mortgages Inc. Ltd of Rectory Mews Crown Road, Wheatley, Oxford, England, OX33 1UL trades as a Limited Company. Our Company Number is: 05051867.
We offer an advised service. This means that we will provide you with a recommendation when we have assessed your needs.
We offer an advised service. This means that we will provide you with a recommendation when we have assessed your needs.
We offer products based upon a fair analysis of general insurance providers for:
• Home Insurance, including Buy to Let properties
• Accident, Sickness & Unemployment cover
We offer a comprehensive range of first charge & second charge mortgages from across the market, but not deals that you can only access by going direct to a lender.
If you are mortgaging a buy to let property, we will only advise you on the services listed in this document. We will not provide advice on any tax or investment matters, for this you should seek advice from an authorised and qualified individual.
Some mortgages are regulated by the FCA and some are not:
• Residential mortgages are regulated by the FCA
• Buy-to-let mortgages are not normally regulated by the FCA. However, some are defined as 'consumer
buy-to-let' - we will confirm if this applies to you
• Commercial mortgages are not regulated by the FCA
By proceeding with a Buy to Let Mortgage application, you are also agreeing:
• The property is being purchased wholly, or mainly for business purposes
• You have the sole intention to let the property out
• You understand that a family member cannot live in the property under any circumstances
• You understand that if you decide not to let the property, you may have to repay the loan in full or
change the mortgage to a more suitable product
• You understand that it is a breach of the terms and conditions of the mortgage to live in the property
and fail to inform the lender
If you are looking to increase the borrowing on a property, the following options may be right for you:
• Further advance from your existing lender
• Second charge mortgage
• A new first charge mortgage
• Unsecured lending – we do not offer advice
• Act in your best interests
• Communicate clearly and in plain English
• Explain all costs involved
• Assess your needs before making a recommendation
• Review the market from our list of reputable lenders and providers to recommend the most suitable
product for you
• Submit an application before conducting a full review of your circumstances and obtaining all supporting information
• Cause you to incur a credit search or incur any costs without your prior agreement
• Act without first getting your permission
• Give advice on;
• Legal/conveyancing matters
• Issues of taxation
• Investments or pensions
We will normally accept verbal or written instructions. However, we always recommend that all instructions are provided in writing for clarity.
During our initial consultation we will complete a questionnaire to enable us to understand your circumstances and your needs. This enables us to give you appropriate advice. A copy of this is available upon request.
We will conduct research to establish what products are most suitable for you and make these recommendations. This will be confirmed to you in writing.
You will also be provided an illustration detailing the recommended product.
You must deal with us in an honest and transparent way. Not disclosing key facts about your circumstances could impact the advice given, and could impact your ability to obtain the most suitable product. It could even void the product, such as if this non-disclosure is viewed as a fraudulent act.
If you have any doubts as to whether you should disclose a matter it is better to do so.
It is your responsibility to check that the product is as you expected, you should check all documents carefully. Please notify your adviser as soon as possible of any issues.
No fee is payable for our service in relation to insurance. We will be paid via commission.
No fee is payable for our service in relation to mortgage contracts.
We will be paid commission by the lender; the amount due will be disclosed via the mortgage illustration.
If you wish to register a complaint, please contact us:
In writing: The Right Mortgage Limited, St John’s Court, 70 St John’s Close, Knowle, B93 0NH.
By phone: 01564 732 744
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman
Service. http://www.financial-ombudsman.org.uk
You are protected by the Financial Services Compensation Scheme (FSCS) for the service we provide. If we are to be declared in default, in the event of any claim, you may be entitled to compensation. For further information about the scheme, please call the FSCS or visit http://www.fscs.org.uk.
Full details of how we gather, store, use and process your personal data is contained in our Privacy Notice.
As part of our service, we will ask you several questions that relate to your personal and financial circumstances, including questions regarding potentially sensitive matters.
Only information that is relevant to your financial planning needs will be gathered and stored.
We will retain this information for as long as is necessary to fulfil our regulatory and legal responsibilities, including defending any future complaints. This data can also be useful to assist you in the future.
We will treat all your information as confidential. Steps will be taken to ensure that the information is accurate, kept up to date and only kept as required.
We have also taken measures to protect against unauthorised, or unlawful use and accidental loss or damage to the data.
Depending on the product provided you will have different cancellation rights; these will be explained to you in my recommendation and will be included in relevant documentation. It is your responsibility to exercise these rights as needed; we cannot do this on your behalf.
We do not handle customer money. We will not accept any payment other than for the payment of our fee, and under no circumstances will we handle cash. Any third-party payments must be made to them directly.
Telephone calls made to us may be recorded and used for training and/or regulatory purposes.
We will not transact business where we believe this could result in a conflict of interest. Where we believe that our interests conflict, we will inform you in writing and agree with you how we can proceed.
By proceeding to supply your personal details, you are agreeing:
• To the terms and conditions of this agreement
• That we may pass your information on to, any ‘third parties’ needed to deliver our service
• That, the lender, or insurer we approach on your behalf, may conduct a credit search