No impact on credit score
5 Star Rated
Financial Conduct Authority
We strongly believe in protecting visitors to our website and any of the information that may be provided to us. We take your privacy seriously, please read carefully below to be clear on what our policy is.
If you have any questions at all or would like to know more please do not hesitate to contact us here.
Online Mortgage Advisor (OMA) firmly respect the privacy and rights of all individuals and businesses we deal with.
This privacy notice documents how we collect and process personal information from visitors to our website and individuals and businesses we deal with when operating and providing services.
This notice should be read in conjunction with our website and we will naturally update this notice from time to time. You are therefore encouraged to review the notice whenever you visit our website and/or before providing us with personal data, to ensure you have access to the most up to date information at that time.
For the purposes of the General Data Protection Regulations (GDPR) the Data Controller in respect of any personal data controlled by the business is FIND A MORTGAGE ONLINE LTD. The registered address is ‘Bezant House, Bradgate Park View, Chellaston, Derby, DE73 5UH’ under number 8662127. Telephone number is 0808 189 2301. Email is enquiries (@) onlinemortgageadvisor.co.uk”
For more general information on cookies see the Wikipedia article on HTTP Cookies.
If you do not wish to accept cookies on to your machine you can disable them by adjusting the settings on your browser. However this will effect the functionality of the websites you visit. Details on how to remove or disable cookies for various browsers can be found here.
When you submit data to through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.
In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.
This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.
For more information on Google Analytics cookies, see the official Google Analytics page.
From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most.
We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including; Facebook, Twitter, LinkedIn, Google, will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.
Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site. However if you are still looking for more information, you can contact us through one of our preferred contact methods.
As mortgage criteria is so vast, if your situation is not straightforward you may have found that many high street mortgage advisors and brokers are not used to handling your application. The advisors we pass you to are different in that they specialise in different areas, whether that is Self-employed, Ex-pat, Buy-to-let, Adverse credit etc. It is therefore important for us to define your situation using the forms on this website, so you can be triaged to the best possible qualified expert, someone who handles such enquiries every day. Therefore we will ask you various questions regarding your specific situation.
We may receive personal information in a variety of different ways on a large number of pages on our website. You will be prompted of the exact questions in the forms through which we record this information, including information relating to your deposit; income; credit history; and dates of birth to name a few. We will also collect contact details so your advisor and us can contact you, and your postcode so we can try to place you with a local advisor. Details to do with any visits to our site by you along with any resources you have used may also be collected.
For the purposes of this policy, personal data is effectively information about individuals which, alone, or in conjunction with other information held by us, is capable of identifying them. In dealing with clients and other parties in the course of our business, we most commonly obtain personal data consisting of names, addresses (physical and electronic) and telephone numbers.
You will know what details we are obtaining as you will be able to see whatever it is that we are requesting. If you contact us either through our website or outside of the website, a full record of that correspondence may be kept. We promise to always use any information given to us by you solely in a manner related in some way to the initial purpose for which it was given.
It is entirely your choice whether you want to provide us with any personal information. If you don’t choose to that is fine, however, we may not be able to assist you if our assistance is what you desire. When personal details are entered onto our website, they will be being entered within a secure online environment.
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please email or write to us at the address listed near the top of this page. We will respond to any such request within one month of receipt but reserve the right to extend this timeframe by a further two months in complex or exceptional cases. Equally, whilst we will not generally charge for providing information, we reserve the right to charge a reasonable fee for the provision of information in exceptional circumstances, as appropriate.
Your data will never be stored in any location outside of the European Economics Area (EEA). Unfortunately, although highly unlikely, we could never guarantee that information sent to us via the Internet is 100% completely secure. Although we will always do our utmost to protect your personal information, it is not guaranteed. Any personal information is sent to us at your own risk. Once data is received we use strict procedures and take advantage of specific security features to attempt to avoid unauthorised access.
The information you provide us with may on occasion contain sensitive personal data for the purposes of the act, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceeding for an offense committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a trade union.
If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact the Data Protection officer on 0808 189 2301 or in writing at chris (@) onlinemortgageadvisor.co.uk .
Online Mortgage Advisor.co.uk provides the specialist information for potential borrowers who are struggling to find finance. The market leading experts for these niche finance arrangements will be from different companies around the UK, and they are the experts that write most of the content on our site. We at Online Mortgage Advisor will not offer you the tailor-made mortgage advice ourselves, we put you in touch with one of these specialists and they advise you on the best lenders, products, services etc specific to you.
The information provided to us may be shared internally with employees of Online Mortgage Advisor in order to deal with your request in the most effective manner possible, and as outlined above, we will of course also share your information with the specific advisor we pass your enquiry on to.
By making an enquiry you agree to be passed onto one of these specialists who will contact you directly to discuss your enquiry further. These advisors are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. All enquiries are passed to carefully selected third party mortgage brokers to provide you with the best advice and recommendation, although we do have our own support team who will assist in the management of your enquiry to ensure you receive the best possible service.
We will not pass or sell your details on to third party companies purely for marketing purposes. Where we pass on your details to a third party company we will only do this if it makes explicit sense pertaining to your enquiry and those companies will only use your details to help you in the manner required. Two examples of partner companies we work with are below:
Merchant Advice Service Ltd. – Independent advisory service for everything related to card payments and merchant services. Similar business to Online Mortgage Advisor but for the card payments industry – find out more by clicking here.
Create Finance ltd. – One of the specialist mortgage brokers we work with, with expertise in a wide variety of fields.
We like to maintain a strong and ongoing relationship with all of our visitors. By submitting an enquiry you also confirm you are happy for us to keep you up to date with new products, services, and for instance if you have been unsuccessful in obtaining a mortgage, we will provide you with critical market updates to keep you informed and help you obtain the finance you need ASAP. If you wish to stop this service then please email enquiries (@) onlinemortgageadvisor.co.uk with the subject title ‘STOP EMAILS’, from the email address you wish to be removed from record.
Will will never share your personal personal details with anyone it is unnecessary to do so with, whether inside or outside the company, unless we have your explicit consent to do so or are obliged to by law.
Online Mortgage Advisor is committed to providing services of the highest standards. Getting in touch with us if you are not satisfied with the service or content on our site allows us the ability to put things right and also improve processes for other visitors.
Please follow our complaints procedure below so that we can pass your complaint to the right person and resolve things as quickly as possible:
Contact us via email
Email your compliant to us at [email protected]
Contact us via post
Write to us at our head office address
Online Mortgage Advisor
Bradgate Park View
Contact us via phone
0808 189 2301
Please provide us with the following:
We’ll always do our best to handle your complaint immediately however it can often take time to investigate, we will aim to respond to your complaint in writing (email if appropriate) within 5 working days of receipt. We then aim to fully resolve complaints within 4 weeks but if things take longer we will contact you to explain with an idea of when we will be able to get things resolved.
If you email we will reply via email, however we may also contact you by phone or post where necessary and appropriate.
Online Mortgage Advisor accepts no responsibility for advice or services provided by any third parties, but if you have a compliant about one of the brokers we pass you to, we of course want to know about it! We take these complaints seriously as we want to ensure our visitors are treated fairly by third parties we recommend, however we cannot be held responsible for the actions of another company and as such you will need to take the complaint up with them directly following their complaints procedure. This is usually first dealt with directly by them, or with the regulator and financial ombudsman.
You can ask The Financial Ombudsman Service to review your complaint – they handle disputes with financial firms, but will only deal with your complaint once you have tried and failed to resolve the issue direct with the brokerage in question.
How to contact the Financial Ombudsman Service
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Phone: 0800 023 4 567 or 0300 123 9 123 from a mobile
Mortgage Eligibility Tool
The mortgage eligibility tool is operated by Lending Score (a third party) on behalf of Mortgage Thoughts. It is designed to give you an indication of how likely you are to be accepted, should you make a full application for a particular mortgage deal. Your eligibility is determined by a high-level check of your credit record and the additional information you have provided. This does not constitute an offer of credit, and you may be referred or declined once a full assessment of your application has been completed.
More information about each CRA and what it does with personal data is available at the following locations:
You can contact any of the CRAs if you wish to obtain a copy of your credit report:
Experian, Consumer Support Centre, PO Box 9000, Nottingham NG80 7WF or call 0800 0138888 or log on to www.experian.co.uk.
TransUnion, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0330 0247574
Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, Le3 4FS or log on to www.econsumer.equifax.co.uk/consumer/uk/showmyequifax.ehtml
Where complaints are relating to a non-regulated product, there are no other official avenues than direct with the brokerage or via Trading Standards.
Do not hesitate to contact us for clarification about any of the issues discussed in any of the articles. Simply contact us via any of the options on our contact page and we will do our best to clarify any of the matters discussed to you until you understand.
*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
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