Last updated: October 2025
Mortgage Confident Finance Limited (“we”, “us”, “our”) respects your privacy and is committed to protecting your personal data.
This notice explains what data we collect, how we use it, your rights, and how to contact us.
Mortgage Confident Finance Limited is a company registered in England and Wales (No. 16174173).
Registered office: 11th Floor, 3 Piccadilly Place, Manchester, M1 3BN.
We act as a data controller when we collect and use your personal data in connection with our mortgage and insurance intermediary services.
If you have any questions, email admin@mcfinance.co.uk or write to us at the address above.
We may collect and process the following types of personal data:
Contact details – name, address, phone number, email
Identity details – date of birth, nationality, identification documents
Financial information – income, expenditure, credit data
Employment and lifestyle information
Health data – when relevant to protection insurance advice
Criminal conviction data – when required for general insurance or mortgage compliance
Dependents or beneficiaries – if relevant to a product or service
We only collect the data necessary to provide our services and meet our legal or regulatory obligations.
We collect data:
Directly from you – when you complete forms, speak to us, or correspond by phone or email
From third parties, such as:
lenders and product providers (for product details or offers)
identity-checking and verification agencies (for anti-money-laundering checks)
credit reference agencies (for credit scores and fraud prevention data such as CIFAS returns)
Each third party is responsible for ensuring that you are informed before they share data with us.
We only use your personal data where the law allows. The main purposes and lawful bases are:
| Purpose | Lawful Basis | Typical Recipients |
|---|---|---|
| To assess your circumstances, obtain decisions in principle, and apply for mortgage or insurance products on your behalf | Performance of a contract | Lenders and product providers |
| To refer you to trusted third-party advisers for estate planning, conveyancing, overseas mortgages, currency advice or other specialist services | Consent | Our vetted professional partners |
| To retain records of advice and services for compliance and to defend legal claims | Legitimate interest | Secure UK/EU data-hosting providers |
| To send you information about our products or similar services that may interest you | Consent or legitimate interest | None (we handle this directly) |
We do not sell your data to anyone.
We may process limited health information or criminal conviction data when it is necessary to provide insurance or mortgage advice.
We do this under Article 9(2)(g) UK GDPR and Schedule 1 DPA 2018—for the purpose of arranging or administering insurance contracts, and for the establishment or defence of legal claims.
We may contact you about products or services we believe may interest you, but only where we have your consent or a legitimate business reason.
You can withdraw consent or change your preferences at any time by:
Emailing admin@mcfinance.co.uk
Calling 0161 533 0024
Writing to 11th Floor, 3 Piccadilly Place, Manchester, M1 3BN
Withdrawal of consent will not affect any processing carried out before you withdrew it.
We keep personal data for no longer than six years from the date of your last interaction with us, unless we are required by law to retain it longer (for example, in relation to a complaint or legal claim).
We regularly review our retention periods and securely delete or anonymise data when it is no longer needed.
We only share data where necessary to provide our services, meet regulatory obligations, or manage our business.
Typical recipients include:
Mortgage lenders and insurance providers
UK-based IT hosting, cloud storage, and compliance software providers
Professional partners who provide services we do not offer directly
All third parties are required to protect your data and use it only according to our instructions.
We currently store and process all data within the UK or the European Economic Area (EEA).
We do not transfer data outside this area. If this ever changes, we will ensure adequate safeguards are in place and update this notice.
You have the following rights under data protection law:
Access – ask for a copy of your personal data
Rectification – correct inaccurate or incomplete information
Erasure – request deletion where data is no longer needed
Restriction – limit how we use your data
Data portability – receive your data in a reusable format or transfer it to another provider
Object – to processing based on legitimate interests or for marketing purposes
Withdraw consent – at any time where consent was relied upon
Automated decisions – request a human review if a decision significantly affects you
To exercise your rights, contact admin@mcfinance.co.uk.
We may need to verify your identity before responding. We aim to reply within one month.
We use appropriate technical and organisational measures to protect your data from loss, misuse, or unauthorised access.
Access is limited to staff and partners who genuinely need it, all of whom are bound by confidentiality duties.
We maintain procedures to detect and respond to any data breach and will notify you and regulators where legally required.
If you are unhappy with how we handle your data, please contact us first so we can resolve it.
You also have the right to complain to the Information Commissioner’s Office (ICO):
Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
Telephone: 0303 123 1113 | Website: www.ico.org.uk
We may update this Privacy Notice from time to time to reflect changes in law or our practices.
When we make significant changes, we will post a clear notice on our website or contact you directly.
Please check this page occasionally to ensure you are aware of any updates.
For any questions about this notice or how we handle your personal data:
📧 admin@mcfinance.co.uk
📞 0161 533 0024
📮 11th Floor, 3 Piccadilly Place, Manchester, M1 3BN