Who we are and how to contact us
The Mortgage Consultancy is a trading name of The Fincon Service Limited (referred to as 'we', 'us' or 'TMC' in this policy). We are the data controller responsible for your personal data.
If you have any questions about this policy or how we handle your data, please contact us at:
- Email: enquiries@themortgageconsultancy.co.uk
- Phone: 01322 553 282
- Post: The Mortgage Consultancy, The Engine House, 2 Veridion Way, Erith, Kent, DA18 4AL
What personal data we collect
We may collect the following categories of personal data when you contact us, use our website, or engage our services:
- Identity data: name, date of birth, national insurance number, passport or driving licence details.
- Contact data: email address, telephone number, home and correspondence address.
- Financial data: income details, employment status, bank account information, details of existing mortgages, debts and assets.
- Transaction data: details of products and services you have purchased or enquired about through us.
- Technical data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system, and other technology on the devices you use to access this website.
- Usage data: information about how you use our website and services.
- Marketing and communications data: your preferences in receiving marketing from us and your communication preferences.
How we collect your personal data
We collect data directly from you when you complete an enquiry form, call us, email us, or engage our services.
We may also receive data from third parties including credit reference agencies, lenders, estate agents, and introducer partners who refer clients to us.
We collect technical data automatically through cookies and similar technologies when you visit our website. See our Cookie Policy for more information.
Why we use your personal data
We use your personal data for the following purposes and on the following legal bases:
- To provide mortgage and insurance advice and arrange products on your behalf. Legal basis: Performance of a contract / our regulatory obligations.
- To comply with our legal and regulatory obligations, including FCA requirements, anti-money laundering checks and record-keeping. Legal basis: Legal obligation.
- To respond to your enquiries and communicate with you. Legal basis: Legitimate interests.
- To send you marketing communications where you have consented or where we have a legitimate interest. Legal basis: Consent / Legitimate interests.
- To improve our website and services. Legal basis: Legitimate interests.
How we share your personal data
We may share your personal data with:
- Lenders and insurers when arranging products on your behalf.
- Credit reference agencies for affordability and identity verification purposes.
- Our compliance support and professional advisers, bound by confidentiality obligations.
- Solicitors and other professional advisers involved in your transaction.
- HMRC, the FCA and other regulatory bodies where required by law.
We do not sell your personal data to third parties.
How long we keep your personal data
We retain client files for a minimum of six years from the completion of business, in line with FCA requirements and our own record-keeping policy. Some categories of data may be retained for longer periods where required by law.
Your rights
Under UK data protection law, you have the right to:
- Access the personal data we hold about you.
- Request correction of inaccurate data.
- Request deletion of your data in certain circumstances.
- Object to or restrict how we process your data.
- Request that we transfer your data to another party.
- Withdraw consent where processing is based on consent.
To exercise any of these rights, please contact us at enquiries@themortgageconsultancy.co.uk. We will respond within one month.
You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk. The Fincon Service Limited is registered with the ICO as a data controller under registration number ZA013379.
Changes to this policy
We may update this Privacy Policy from time to time. The date below will reflect when it was last reviewed. We encourage you to check this page periodically.
Last updated: April 2026