Privacy Notice

Who we are

Mortgage & Life Ltd is authorised and regulated by the Financial Conduct Authority under the firm reference number 790909.

Registered address: 8 Station Parade, Harrow, HA3 8SB.

What data do we collect?

Mortgage & Life Ltd may collect the following data:

• Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses, and identity verification documents.

• Employment and remuneration details (salary, bonus schemes, overtime, sick pay, benefits), and employment history.

• Bank account details, tax information, loans, credit commitments, credit history, sources of income and expenditure, family circumstances, and dependents.

• Health status and history, treatment details, medical reports.

• Information on any pre-existing mortgage and insurance products and their terms and conditions.

How do we collect your data?

We mainly collect personal data directly from you during initial meetings or conversations to establish your mortgage and protection needs. Information may be provided verbally, in writing, or via email.

We may also obtain data from:

• Credit checks, employers, and public records such as the electoral roll.

• Specialist technology solutions (e.g., ID verification or credit status checks).

• Third parties, with your consent where required.

Special Category Data

You may sometimes share information classed as ‘Special Category Data’, which may include: race, ethnic origin, political opinions, religion, trade union membership, genetics, biometrics, health, sex life, or sexual orientation.

Where you share such information (e.g., health or vulnerability), Mortgage & Life Ltd will always seek your explicit consent to store and process it.

How will we use your data?

We collect and process your data to:

• Process applications and manage your requests.

• Provide advice and ongoing support for mortgage and protection products.

• Comply with legal and regulatory obligations.

• Monitor and improve services.

• Communicate with you regarding products, services, or changes to our policies.

Sharing of Data

We may share your data with:

• Lenders and product providers – to source and process applications.

• External suppliers – IT providers, legal advisers, accountants, compliance partners.

• Solicitors/Conveyancers – to update them on progress and verify details.

• Estate Agents / New Home Builders – for affordability checks and updates.

• Credit Reference Agencies – for ID verification and credit assessments.

• Regulators – such as the FCA, HMRC, or law enforcement.

• Other third parties – in the event of business mergers, sales, or acquisitions.

How do we store your data?

We do not envisage transferring your personal data outside of the UK.

Retention periods:

• Successful mortgage/protection applications – product term + six years.

• Withdrawn/incomplete/failed applications – 2 years (or 6 years if submitted).

• Affordability checks not proceeding to application – 2 years.

• Enquiry data not resulting in application – 2 years.

Marketing

Mortgage & Life Ltd may contact you about our own products and services, as well as those from partner companies.

You can opt out of marketing at any time.

Your Data Protection Rights

You have the right to:

• Access your personal data.

• Request correction of inaccurate/incomplete data.

• Request erasure of data (under certain conditions).

• Restrict or object to processing.

• Request transfer of your data to another provider (data portability).

Requests will be handled within one month.

Privacy Policies of Other Websites

Our website may contain links to other websites. Please note this Privacy Notice does not apply to those sites.

Changes to this Privacy Policy

Mortgage & Life Ltd keeps this Privacy Notice under regular review. Updates will be placed on our website.
This policy was last updated on 21/01/2025.

How to contact us

If you have questions about this Privacy Notice, the data we hold on you, or wish to exercise your rights:

• Email: info@mortgagesandlifeltd.co.uk

• Call: 0800 689 1667

• Write to us: Mortgage & Life Ltd, 8 Station Parade, Harrow, HA3 8SB

How to contact the appropriate authority

If you are not satisfied with our response, you may contact the Information Commissioner’s Office (ICO) at www.ico.org.uk.