Privacy Policy

A legal disclaimer

This Privacy Policy is designed for a UK-based mortgage brokerage. It is compliant with the UK GDPR and the Data Protection Act 2018.

Privacy Policy:

Better Mortgages

Effective Date: March 28, 2026

At Better Mortgages, we are committed to protecting and respecting your privacy. This policy explains when and why we collect personal information about people who visit our website, how we use it, the conditions under which we may disclose it to others, and how we keep it secure.

1. Who Are We?

Better Mortgages is a "whole of market" mortgage broker. For the purposes of data protection, we are the "Data Controller." We are regulated by the Financial Conduct Authority (FCA) and registered with the Information Commissioner’s Office (ICO).

2. Information We Collect

To provide our five-star mortgage service and free consultations, we collect several types of data:

Identity Data: Name, date of birth, gender, and marital status.
Contact Data: Home address, email address, and telephone numbers.
Financial Data: Bank statements, payslips, income/expenditure, credit history, and existing financial commitments.
Technical Data: Your IP address, browser type, and how you use our website (via cookies).
Special Category Data: On occasion, we may need to collect health data if it is relevant to a protection (insurance) policy or to identify if you are a "vulnerable customer" to ensure we treat you fairly.

3. How We Collect Your Data

Direct Interaction: When you fill out a form on our website, book a free consultation, or speak with an advisor.
Third Parties: We may receive data from Credit Reference Agencies, Fraud Prevention Agencies, or Land Registry records.
Automated Technologies: As you interact with our website, we may automatically collect Technical Data about your equipment and browsing patterns.

4. How We Use Your Information

We only use your data when the law allows us to. Most commonly:

To Perform a Contract: To process your mortgage application and secure a deal.
Legal Obligation: To verify your identity and prevent money laundering or fraud.
Legitimate Interests: To provide you with a high-quality service and improve our website.
Consent: If you have opted-in to receive marketing communications about new mortgage rates or services.

5. Sharing Your Data

As a whole of market broker, we must share your data with third parties to get you the best deal:

Mortgage Lenders: To submit your application.
Insurance Providers: If you are seeking protection products.
Regulators: Such as the FCA or other law enforcement agencies if required by law.
Credit Reference Agencies: To perform necessary credit checks.

Note: We will never sell your data to third parties for marketing purposes.

6. Payment & Application Data

As part of our commitment to transparency, payment is only required on application. Any financial information provided for the purpose of a fee payment is processed through secure, encrypted payment systems and is not stored on our website servers.

7. Data Security & Retention

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorised way.

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or regulatory requirements (typically 6 to 12 years after your mortgage completes).

8. Your Legal Rights

Under the UK GDPR, you have the right to:

Access a copy of the data we hold about you.
Rectify any incorrect or incomplete information.
Erase your data (the "right to be forgotten") in certain circumstances.
Object to or restrict the processing of your data.
Withdraw Consent at any time where we are relying on consent to process your data.

9. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us on at hello@bettermortgages.co.uk