Privacy Policy

Who We Are

Andreas Mortgages Ltd is an Appointed Representative of Marklay Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Ref: 1051012). Registered in England and Wales No: 16954893.

We are committed to protecting your personal data and handling it fairly, lawfully and transparently in accordance with UK data protection legislation, including the UK GDPR and the Data Protection Act 2018.

If you have any questions about this policy, please contact us at: andreasmortgages@gmail.com

What Information We Collect

In order to provide mortgage and insurance advice, we may collect and process the following personal information:

• Full name and date of birth
• Contact details (address, phone number, email address)
• Financial information (income, employment, credit history, debts)
• Mortgage and protection needs and preferences
• Identification documents (e.g. passport, driving licence)
• Details submitted through our website enquiry form

How We Use Your Information

We use your personal information to:

• Assess your suitability and affordability for mortgage and protection products
• Submit applications to lenders and insurers on your behalf
• Manage your case and communicate with you throughout the process
• Comply with our legal and regulatory obligations (FCA requirements)
• Prevent fraud and financial crime
• Maintain records as required by our regulator

Who We Share Your Information With

We may share your information with the following parties where necessary to provide our services:

• Our principal firm, Marklay Mortgages Ltd
• Mortgage lenders and insurers
• Credit reference and fraud prevention agencies
• Professional advisers (e.g. solicitors, surveyors)
• Regulatory bodies (e.g. FCA, ICO) where required by law

We never sell your personal data to third parties.

How Long We Keep Your Data

We retain your personal data only for as long as required by law and our regulatory obligations. In line with FCA requirements, client records are typically kept for a minimum of 6 years following the completion of a mortgage transaction.

Your Rights

Under UK GDPR, you have the right to:

• Access — request a copy of the personal data we hold about you
• Rectification — request correction of inaccurate or incomplete data
• Erasure — request deletion of your data where applicable
• Restriction — request that we limit how we use your data
• Portability — request transfer of your data to another party
• Object — object to certain types of processing
• Complain — lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk

To exercise any of these rights, please contact us at andreasmortgages@gmail.com.

Security

We take appropriate technical and organisational measures to keep your personal information secure and protect it from unauthorised access, loss or disclosure.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be published on this page with a revised date. We encourage you to review this policy periodically.