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Privacy Policy

What is this Privacy Policy for?

This privacy policy is served by My Mortgage & Protection Experts and governs the privacy of its users who choose to use it. It explains how we comply with the GDPR (General Data Protection Regulation), the DPA (Data Protection Act) and the PECR (Privacy and Electronic Communications Regulations).

The policy sets out the different areas where user privacy is concerned and outlines the obligations & requirements of the users, the website and website owners. Furthermore the way this website processes, stores and protects user data and information will also be detailed within this policy.

Contact & Communication

People using our website do so at their own discretion and provide any such personal details requested at their own risk. Whilst our website does not collect or store your date, upon contact your personal information is kept private and stored securely until a time it is no longer required or has no use, or that you request, via email, for your details to be removed from our contact database. Every effort has been made to ensure a safe and secure email/upload/download submission form process, but advise users using such forms do so at their own risk.

How we use your personal information

We use any information submitted to provide you with further information about the services we offer or to assist you in answering any questions or queries you may have submitted.

This includes using your details to subscribe you to any email newsletter program the website operates but only if this was made clear to you and your express permission was granted when submitting any form to email process.

We may share your enquiry data with our marketing agency for statistical purposes only.

Your information will not be sold to third parties for marketing purposes.

The Website

This website is GDPR compliant; we take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience.

Use of Cookies

Cookies are small files saved to the user’s computer / device hard drive that track, save and store information about the user’s interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.

The cookies we use allow us to recognise and count the number of visitors to the site. It also allows us to see how visitors move around when using the site which helps us to improve the way the website works. This website uses a cookie notification system informing the user on their first visit to the website about the use of cookies on their computer / device. This complies with recent legislation requirements for website’s to notify users before leaving behind or reading files such as cookies on a user’s computer / device. Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive/device they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors.

Website Visitor Tracking

We use tracking software to monitor website visitors to better understand how they use our website. This software is provided by Google Analytics, Hotjar or similar which uses cookies to track visitor usage. The software will save a cookie to your computer’s hard drive in order to track and monitor your engagement and usage of the website but will not store, save or collect personal information. You can read Google’s privacy policy here for further information [http://www.google.com/privacy.html]

No personal information is stored, saved or collected.

External Links

Although we take every effort to only include quality, safe and relevant external links, users should always adopt a policy of caution before clicking any external web link throughout our website. Visitors clicking on external links do so at their own risk.

Social Media Platforms

Communication, engagement and actions taken through external social media platforms that this website and its owners participate on are custom to the terms and conditions as well as the privacy policies held with each social media platform respectively.

Users are advised to use social media platforms wisely and communicate / engage upon them with due care and caution in regard to their own privacy and personal details. Neither this website nor its owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.

This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

Shortened Links in Social Media

We may, through our social media platform accounts, share web links to relevant web pages. By default some social media platforms shorten lengthy url’s.

Users are advised to take caution and good judgement before clicking any shortened url’s published on social media platforms by this website and it’s owners. Despite the best efforts to ensure only genuine url’s are published many social media platforms are prone to spam and hacking and therefore this website and it’s owners cannot be held liable for any damages or ramifications caused by visiting any shortened links.

Your Rights

You have the right to ask us not to process personal data for marketing purposes. Or request that your data details be removed from newsletters, email or telephone contacts. You have the right to request or change:

Details on what personal, business data we hold

Your personal data, if inaccurate or incomplete

Your personal data to be deleted or to request we stop using it

To contact us please email info@mmpe.co.uk

Resources & Further Information

Overview of GDPR – General Data Protection Regulation

Data Protection Act 1998

Privacy and Electronic Communications Regulations 2003

Privacy and Electronic Communications Regulations 2003 – The Guide

Twitter Privacy Policy

Facebook Privacy Policy

Google Privacy Policy

Linkedin Privacy Policy

If you require any further information please do not hesitate to contact us

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My Mortgage Experts & Protection Experts Ltd (FCA 937076), is an Appointed Representative of King Mortgages Ltd.

King Mortgages is authorised & regulated by the Financial Conduct Authority (FCA). King Mortgages Ltd is entered on the financial services register http://register.fca.org.uk/ under reference number 803561.

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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    For more details on how we handle your data, please view our Privacy Policy

    Automatic Property Value Updates

    Changes in property value, coupled with a potential reduction in your loan amount (with a repayment mortgage), mean a change in the equity available in your property (Loan to Value); hence there could be improved opportunities for a better mortgage for you.

    Product Expiry Date

    Sussed will track when your mortgage is due to expire (usually when your mortgage payments rise substantially as you will automatically transfer to your lender’s standard rate).

    The app will alert you when it’s the right time to discuss your options with your mortgage broker.

    Sussed can help you plan.

    Rate Riser

    This feature is ideal for today’s economy and increasing prices. Sussed will continually scan the market, looking for the best-fixed rates available, especially when interest rates are rising.

    Using a series of algorithms, our clever technology can identify longer-term fixed rates available today that could save money against predicted rates at the end of your current product term (including the cost of transfer) – sussed is doing all the hard work.

    Equity Available

    With automatic property value updates and your Mortgage information loaded, this feature calculates the amount of equity and the maximum potential loan that may be available within a landlord’s portfolio. This will assist with seeing if there is the opportunity for to perhaps buy another property from leveraging your portfolio.

    Within sussed, you will also be able to see each of your properties with a roadside picture, a confirmed property value, monthly rental, current mortgage balance, payments, interest rate and the Loan to value/Gross rental yield.

    Sussed can help you manage your portfolio.

    Early Review

    This feature is there waiting for interest rates when they reduce. Using the same technology as Rate Riser, sussed will identify if your current deal is now able to be improved.

    Should the interest rates decrease, sussed will compare deals available on the day with your existing deal and flag if there is an opportunity for you to save money by switching.

    Regional Price Limits

    There are price limits on homes you can buy with an equity loan. The limit is different for each region in England.

    • East - £407,400
    • East Midlands - £261,900
    • London - £600,000
    • North East - £186,100
    • North West - £224,400
    • South East - £437,000
    • South West - £349,000
    • West Midlands - £255,600
    • Yorkshire and the Humber - £228,100

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      For more details on how we handle your data, please view our Privacy Policy

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        For more details on how we handle your data, please view our Privacy Policy