Your Home, Our Commitment

Launching Q3 2025

Privacy Policy

Effective Date: January 5th 2025

1. Introduction

At United Mortgages Limited (“we”, “our”, “us”), we are committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal data when you engage with us for mortgage-related services. It also explains your rights concerning your data, in accordance with the UK Data Protection Act 2018 and the General Data Protection Regulation (GDPR).

By accessing or using our services, you consent to the collection and use of your personal data as described in this policy.

2. Information We Collect

We collect personal data to provide mortgage advice and services. The types of personal data we may collect include:

Personal Identification Information: Name, address, date of birth, telephone number, and email address.
Financial Information: Income, employment status, credit history, bank account details, debts, and mortgage-related information.
Property Information: Property details including address, value, and ownership status.
Technical Information: IP address, browser type, device type, and browsing data when you use our website.

3. How We Collect Your Information

We collect personal data in the following ways:

Directly from You: When you apply for a mortgage, request advice, complete forms, or contact us via email or phone.
From Third Parties: We may receive information from other financial institutions, credit agencies, or real estate agents to assess your eligibility for a mortgage.
Through Our Website: When you visit our website, we may collect data automatically through cookies or similar technologies.

4. How We Use Your Information

We use the personal data we collect for the following purposes:

Mortgage Advice & Services: To assess your financial situation, provide advice, recommend mortgage products, and facilitate the mortgage application process.
Communication: To respond to your queries, keep you informed of progress, and send you relevant updates or notifications.
Compliance: To comply with legal obligations, including anti-money laundering regulations, fraud prevention, and other financial services regulations.
Improvement of Services: To enhance our services, website, and customer experience through feedback or usage analysis.

5. Sharing Your Information

We will not sell, rent, or trade your personal data. However, we may share your information in the following circumstances:

With Service Providers: We may share your data with third-party service providers (e.g., credit agencies, solicitors, surveyors) who assist us in delivering mortgage services, subject to appropriate data protection safeguards.
With Regulatory Authorities: We may share your information with regulators, government bodies, or law enforcement agencies if required by law or to prevent fraud or money laundering.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal data may be transferred to the new owner, subject to the applicable privacy policy.

6. Security of Your Information

We take the security of your personal data seriously and have implemented appropriate technical and organizational measures to protect it against unauthorized access, loss, or alteration. These measures include:

Encryption: Sensitive personal data is encrypted both in transit and at rest.
Access Controls: Only authorized personnel have access to your personal data.
Regular Audits: We conduct regular security audits to identify and address potential vulnerabilities.

However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We will retain your personal data for as long as is necessary for the purposes outlined in this Privacy Policy or as required by law. This may include retaining records of your mortgage applications, communications, and financial assessments for regulatory purposes or as part of our business operations.

If you wish to request the deletion of your personal data, please refer to Section 9 below for instructions.

8. Your Rights

Under the UK Data Protection Act 2018 and the GDPR, you have the following rights regarding your personal data:

Right to Access: You can request access to the personal data we hold about you.
Right to Rectification: You can ask us to correct any inaccurate or incomplete personal data.
Right to Erasure: You can request the deletion of your personal data, subject to certain conditions.
Right to Restriction: You can request us to limit the processing of your personal data in specific circumstances.
Right to Object: You can object to the processing of your personal data in certain situations, including direct marketing.
Right to Portability: You can request to receive your personal data in a commonly used electronic format or transfer it to another data controller.

To exercise any of these rights, please contact us using the contact details provided below.

9. Contact Us

If you have any questions or concerns about this Privacy Policy, or if you wish to exercise your rights, please contact us:

Email: legal@united-mortgages.com

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business needs. We will notify you of significant changes by posting the revised policy on our website and updating the effective date at the top of this page.

11. Consent

By providing your personal data to us, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.

This Privacy Policy was last updated on January 5th 2025.

© United Mortgages Limited 2025. All rights reserved.

Proudly serving

Hertfordshire

Buckinghamshire

Middlesex

Contact

020 765 5262

hello@united-mortgages.com

Registered in London, UK

Bedfordshire

Berkshire

Essex

Our Privacy Policy

The guidance and/or advice contained within this website is subject to the UK regulatory regime and primarily targeted at consumers based in the UK. For more please read our guidelines below: Your home may be repossessed if you do not keep up repayments on your mortgage. You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

United Mortgages Limited is registered in England and Wales. Company Number 16154790.