hello@united-mortgages.com
0204 634 9315
Privacy Policy
Your privacy matters to us
Introduction
This is the privacy notice of United Mortgages Limited. In this document, "we", "our" or "us" refers to United Mortgages Limited.
United Mortgages Limited is registered in England and Wales under company number 16154790. Registered office: 167-169 Great Portland Street, London, W1W 7PF.
United Mortgages Limited is an appointed representative of Homekey Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority under FRN 967597.
This is a notice to tell you our policy about all information that we record about you. It covers both information that could identify you and information that could not. We are committed to protecting your privacy and confidentiality. We understand that all users of our website need to know that their data will not be used for any purpose unintended by them, and will not accidentally fall into the hands of a third party. Our policy is both specific and strict. It complies with UK law, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
Except as set out below, we do not share, sell, or disclose to a third party any personally identifiable information collected at this site.
Data Controller: United Mortgages Limited
ICO Registration: ZB899315
Last Updated: April 2026
Information We Collect
Here is a list of the information we collect from you, either through our website or because you give it to us in some other way, and why it is necessary to collect it:
Basic Identification & Contact
Used to provide you with the services you request, for verifying your identity for security purposes, and for marketing our services and products. Information which does not identify any individual may be used in a general way by us or third parties to provide class information, for example relating to demographics or usage of a particular page or service.
Financial Information
Income and employment details
Employer information and address
Self-employment financials
Bank account information
Credit history
Existing loans and commitments
Deposit amount and source
Assets and liabilities
Property Details
Current property information
Desired property details
Mortgage requirements
Property valuation information
Purchase type (first-time buyer, remortgage, etc.)
Affiliate Information
This is information given to us by you in your capacity as an affiliate of ours or a customer or client of ours. Such information is retained for business use only. We undertake to preserve the confidentiality of the information and of the terms of our relationship. It is not used for any other purpose. We expect any affiliate to agree to reciprocate this policy.
Why We Need It
We need to know basic personal data and may share this information:
To Provide Our Services
To enable United Mortgages Limited and our representatives to manage your dealings with us. We may use personal information supplied to meet your needs in arranging a mortgage, loan, protection and any associated arrangements. Data will be processed in the legitimate interest of the business.
Compliance Monitoring
To allow Homekey Mortgage Solutions Ltd, Stonebridge Mortgage Solutions Ltd, or their representatives to conduct compliance monitoring, to prevent financial crime, and to contact you for the purpose of ensuring you have received adequate advice. Data will be processed in the legitimate interest of the business.
If you provide an email address, you consent to us sending communications by email. While we will take reasonable steps to ensure security of information by email, you accept the risks involved with this type of communication.
What We Do With It
🔒 Storage & Processing
All the personal data we hold about you will be processed by our staff in the United Kingdom. Please be aware that your information may be stored on a cloud-based system whose servers are located within the United Kingdom.
📤 Disclosure to Third Parties
We will disclose information requested by authorised third parties for the purposes for which you have given us consent, including lenders, insurers, and other financial service providers necessary to arrange your mortgage or associated products.
🏛️ Disclosure to Government & Agencies
We are subject to the law like everyone else. We may be required to give information to legal authorities if they so request or if they have the proper authorisation such as a search warrant or court order.
🚫 Sale of Your Information
Except as specified above, we do not rent, sell or otherwise disclose any of your information to any person outside our business.
🌍 Data Processed Outside the UK
Our websites are hosted in the EU. We also use outsourced services in countries outside the EU from time to time in other aspects of our business. Accordingly, data obtained within the UK may be "processed" outside the UK and data obtained in any other country may be processed within or outside that country.
Online Application Forms & Data Processing
When you complete our online Agreement in Principle (AIP) or mortgage application forms, we collect and process your data through secure digital systems.
💾 Form Data Storage
Information submitted through our online forms is securely transmitted and stored in our customer relationship management (CRM) system, HubSpot. HubSpot is a certified data processor that complies with UK GDPR and provides enterprise-level security for your data.
🔄 Automatic Data Processing
When you submit an online form, your data is automatically processed through our secure backend systems hosted within the EU. This processing includes validation and formatting of your information, creation of your client record in our CRM, and secure transmission of data to relevant third parties where required.
📱 Local Storage
Our online application forms use your browser's local storage to save draft applications. This data stays on your device and is not transmitted to our servers until you submit, helps you complete long forms over multiple sessions, and can be cleared through your browser settings.
Data Security & Retention
🔒 How We Protect Your Data
We have security procedures in place to protect your login details as well as your personal information. We implement appropriate technical and organisational measures including:
- Encryption: All data transmitted through our online forms is encrypted using industry-standard SSL/TLS protocols
- Secure Storage: Data is stored in secure, UK-based data centres with enterprise-grade security
- Access Controls: Only authorised personnel have access to your data, with role-based permissions
- Staff Training: All staff receive regular training on data protection and security
It is your responsibility to ensure that you do not give out your login details to any other person, and to ensure that you log out of our website and delete browser history before logging off if you are using a shared computer.
📅 How Long We Keep Your Data
We retain your personal data in line with FCA requirements and our legitimate business needs:
- Active client records: Duration of our relationship plus 6 years
- Completed mortgage records: 6 years from completion
- Declined applications: 6 years from application date
- Marketing preferences: Until you withdraw consent, or 3 years of inactivity
- Complaint records: 6 years from resolution
- Draft form data (browser storage): Until you clear browser data or submit the form
Data Breaches: In the unlikely event of a data breach that poses a risk to your rights and freedoms, we will notify you and the ICO within 72 hours as required by law.
Your Rights
Under UK GDPR, you have the following rights regarding your personal data:
✅ Right to Access
You may review or update the personally identifiable information that we hold about you by contacting us at the address below. To better safeguard your information, we will also take reasonable steps to verify your identity before granting access or making corrections to your information.
🗑️ Right to Erasure
If you wish us to remove personally identifiable information, you may contact us at legal@united-mortgages.com. We will also take reasonable steps to verify your identity before granting access or making corrections.
✏️ Right to Rectification
You have the right to request correction of any inaccurate personal data we hold about you.
📵 Right to Object
You have the right to object to processing of your personal data for direct marketing purposes at any time.
Other Provisions
⚖️ Jurisdiction
Disputes relating to the use of our website will be subject to the jurisdiction of the English courts.
©️ Copyright
All material on our website which has been created by us is subject to copyright under UK law and we reserve all rights associated with that content. Parts of the website may be downloaded for personal use only. You are not entitled to reproduce or modify content subject to copyright, in whole or in part, for any commercial use whatsoever, without our prior written permission.
📋 Accuracy of Website Content
Although we endeavour to ensure that all of the information on our website is accurate and up to date, we do not guarantee that that is the case.
💷 Financial Advice
No information on our website constitutes financial advice. If you require financial advice, please contact us.
🔄 Compliance with the Law
This privacy policy has been compiled so as to comply with the law of every jurisdiction in which we aim to do business. If you think it fails to satisfy the law of your country, we should like to hear from you, but ultimately it is your choice as to whether you wish to use our website.
Contact Us
If you have any questions about this privacy policy, how we handle your data, or wish to exercise your data protection rights, please contact us:
Data Protection Queries
📧 legal@united-mortgages.com
📞 0204 634 9315
✉️ United Mortgages Limited, 167-169 Great Portland Street, London, W1W 7PF
Supervisory Authority
If you are not satisfied with our response or believe we are processing your data unlawfully, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):
🌐 ico.org.uk/make-a-complaint
📞 0303 123 1113
✉️ Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Changes to This Policy: We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.
Have Questions About Your Privacy?
Our team is here to help you understand how we protect your data
Contact Our Team