Privacy Policy
Last updated: September 2026
Mortgage Pals Ltd (“Mortgage Pals”, “we”, “us” or “our”) is committed to protecting and respecting your privacy.
This Privacy Policy explains how we collect, use, store and protect your personal information when you visit our website, contact us, use our services or otherwise interact with us.
This policy applies to personal information processed through the Mortgage Pals website and in connection with the mortgage, protection and related services we provide.
1. Who We Are
Mortgage Pals Ltd is registered in England and Wales under company number 15595419.
Registered Address:
60 Barkers Lane
Wythall
Birmingham
B47 6BU
Email: info@mortgagepals.co.uk
Telephone: 07772 138 023
Mortgage Pals Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.
Our commercial finance services are offered via Pals Mortgages Ltd, with Mortgage Pals serving as a trading name for Pals Mortgages Ltd. Pals Mortgages Ltd is an Appointed Representative of Commercial Finance Brokers UK Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 736199) for the purpose of consumer credit business.
For the purposes of applicable UK data protection legislation, including the UK General Data Protection Regulation (“UK GDPR”) and the Data Protection Act 2018, the relevant Mortgage Pals entity will normally act as a data controller in respect of the personal information it processes.
2. Information We May Collect
Depending on how you interact with us and the services you require, we may collect and process information including:
- Your name
- Address and postcode
- Email address
- Telephone number
- Date of birth
- Employment and occupation information
- Income and expenditure information
- Details about your financial circumstances
- Mortgage and property information
- Credit commitments and financial liabilities
- Information concerning your mortgage or insurance requirements
- Identification and verification information
- Information you provide when completing an enquiry or contact form
- Information contained in correspondence with us
- Marketing preferences
- Technical information relating to your use of our website
When providing mortgage, protection or financial services, additional personal information may be required in order for us to assess your circumstances, provide appropriate advice and submit applications to relevant providers.
In some circumstances, this may include special category or otherwise sensitive personal information where it is necessary and lawful for us to process it, for example information relevant to a protection or insurance application.
3. How We Collect Your Information
We may collect personal information directly from you when you:
- Contact us by telephone, email or through our website
- Complete an online enquiry or contact form
- Request mortgage, protection or commercial finance advice
- Arrange an appointment with us
- Subscribe to our newsletter or marketing communications
- Provide information during the advice or application process
- Communicate with one of our advisers
We may also receive information from third parties where appropriate, such as lenders, insurers, credit reference agencies, product providers, solicitors, estate agents, introducers and other organisations involved in your mortgage or financial transaction.
We may automatically collect limited technical information when you use our website through cookies and similar technologies.
4. How We Use Your Personal Information
We may use your personal information to:
- Respond to enquiries and requests
- Provide mortgage and protection advice
- Understand your needs, circumstances and financial objectives
- Research suitable products and services
- Process mortgage, insurance or finance applications
- Communicate with lenders, insurers and other product providers
- Manage our relationship with you
- Provide ongoing customer service
- Maintain appropriate business and regulatory records
- Comply with legal and regulatory obligations
- Prevent and detect fraud, financial crime and misuse of our services
- Improve our website and services
- Monitor the performance and security of our website
- Send you marketing communications where we are legally permitted to do so
- Deal with complaints, enquiries and disputes
We will only use personal information where we have a lawful basis for doing so.
5. Our Lawful Bases for Processing
Depending on the circumstances, we may process your information on one or more of the following lawful bases:
Contract – where processing is necessary to provide a service you have requested or to take steps at your request before entering into a contract.
Legal obligation – where we need to process information to comply with a legal, regulatory or professional obligation.
Legitimate interests – where processing is necessary for our legitimate business interests or those of a third party, provided those interests do not override your rights and freedoms.
This may include operating and improving our business, responding to enquiries, maintaining appropriate records, protecting our systems and establishing or defending legal claims.
Consent – where you have specifically consented to us processing your information for a particular purpose, such as certain forms of marketing or the use of non-essential website cookies.
Where we rely upon consent, you may withdraw that consent at any time.
Where special category personal information is processed, we will also ensure that an appropriate additional condition for processing such information applies.
6. Mortgage and Protection Applications
Providing mortgage or protection advice may require us to collect detailed information about your financial circumstances and, where relevant, health or lifestyle information.
This information may be shared with appropriate lenders, insurance companies, product providers and other parties involved in arranging the product or service you have requested.
The information required will depend upon your individual circumstances and the particular product or service.
Failure to provide information required by a lender, insurer or other provider may mean that we are unable to provide certain services or progress an application on your behalf.
7. Who We May Share Your Information With
Where necessary and lawful, your information may be shared with organisations including:
- Mortgage lenders
- Banks and building societies
- Insurance companies and protection providers
- Commercial finance providers
- The Right Mortgage Ltd
- Commercial Finance Brokers UK Limited
- Credit reference and fraud prevention agencies
- Solicitors and conveyancers
- Surveyors and valuers
- Estate agents
- Product and service providers
- Technology, IT, website, CRM and communications providers
- Professional advisers, including accountants and legal advisers
- Regulatory authorities and law enforcement agencies where required
- Other organisations involved in processing or completing your application
We will only disclose personal information where there is an appropriate reason and lawful basis for doing so.
We do not sell your personal information.
8. Marketing Communications
Where you have subscribed to our newsletter or agreed to receive marketing communications, we may use your contact information to send you relevant news, updates, products or services.
You can unsubscribe from marketing communications at any time by using the unsubscribe option included in our communications or by contacting us at:
Withdrawing your consent to marketing will not affect communications that are necessary for us to provide services to you or manage an existing relationship.
9. Cookies and Website Information
Our website may use cookies and similar technologies to operate correctly, understand how visitors use the website, improve performance and, where applicable, support analytics or marketing.
Some cookies are necessary for the website to function and cannot reasonably be disabled through our systems.
Where required by law, non-essential cookies will only be placed on your device after you have provided your consent.
You can also control or delete cookies using your browser settings.
Further information about individual cookies used by the website should be provided through our cookie notice or cookie consent system.
10. How Long We Keep Your Information
We will only retain personal information for as long as reasonably necessary for the purposes for which it was collected.
The period for which information is retained may depend upon:
- The nature of the information
- The services we have provided
- Regulatory requirements applicable to mortgage and financial services firms
- Legal and contractual requirements
- Requirements imposed by our network, lenders or product providers
- The need to establish, exercise or defend legal claims
When personal information is no longer required, we will securely delete, anonymise or otherwise dispose of it in accordance with our data retention procedures.
11. How We Protect Your Information
We take appropriate technical and organisational measures to protect personal information against unauthorised access, alteration, disclosure, loss or destruction.
Access to personal information is restricted to people and organisations that require it for legitimate business purposes and who are subject to appropriate confidentiality and data protection obligations.
Although we take reasonable precautions to protect information, no internet-based system or method of electronic storage can be guaranteed to be completely secure.
12. International Data Transfers
Some of the third-party technology or service providers we use may process or store information outside the United Kingdom.
Where personal information is transferred internationally, we will take appropriate steps to ensure that the transfer complies with applicable UK data protection legislation.
This may include relying on an adequacy regulation or putting appropriate contractual safeguards in place.
13. Your Data Protection Rights
Depending upon the circumstances and the lawful basis upon which your information is processed, you may have rights including:
- Right of access – to request a copy of the personal information we hold about you.
- Right to rectification – to ask us to correct inaccurate or incomplete information.
- Right to erasure – to request deletion of your personal information in certain circumstances.
- Right to restrict processing – to ask us to restrict how your information is used in certain circumstances.
- Right to data portability – to receive certain information in a structured, commonly used and machine-readable format.
- Right to object – to object to certain processing, including processing based on legitimate interests and direct marketing.
- Right to withdraw consent – where we rely upon your consent, you can withdraw it at any time.
These rights are not absolute and may be subject to exemptions or restrictions under data protection legislation.
To exercise any of these rights, please contact:
Email: info@mortgagepals.co.uk
We may need to verify your identity before responding to a request.
14. Your Right to Object
You have the right to object at any time to the processing of your personal information for direct marketing purposes.
You may also have the right to object where we process your information on the basis of our legitimate interests.
To exercise your right to object, contact us at info@mortgagepals.co.uk.
15. Automated Decision-Making
Mortgage lenders, insurers, credit reference agencies and other financial service providers may use automated systems when assessing applications, calculating eligibility or making lending or underwriting decisions.
Where we ourselves carry out solely automated decision-making that produces legal or similarly significant effects, we will provide you with the information and rights required by applicable data protection law.
Individual lenders and providers may have their own privacy policies explaining how they use automated decision-making and profiling.
16. Third-Party Websites
Our website may contain links to websites operated by third parties.
If you follow a link to another website, that organisation may collect information about you in accordance with its own privacy policy.
Mortgage Pals is not responsible for the privacy practices, security or content of third-party websites, and we recommend reviewing the relevant privacy policy before providing personal information.
17. Complaints
If you have concerns about how we have handled your personal information, please contact us first so that we can investigate your concerns.
Mortgage Pals Ltd
60 Barkers Lane
Wythall
Birmingham
B47 6BU
Email: info@mortgagepals.co.uk
Telephone: 07772 138 023
You also have the right to make a complaint to the UK data protection regulator, the Information Commissioner’s Office (ICO).
Information about making a complaint can be found on the ICO website.
18. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to our business, services, website, legal requirements or data protection practices.
Any updated version will be published on this website and the “Last updated” date at the top of this policy will be changed accordingly.
We recommend reviewing this Privacy Policy periodically.
19. Contact Us
If you have any questions about this Privacy Policy or how Mortgage Pals uses your personal information, please contact:
Mortgage Pals Ltd
60 Barkers Lane
Wythall
Birmingham
B47 6BU
Email: info@mortgagepals.co.uk
Telephone: 07772 138 023
