Privacy

Privacy Policy

Who holds your information

This privacy notice is sets out how our firm, Homesavers Mortgages and Loans Ltd , deals with your personal data. The firm is authorised and regulated by the Financial Conduct Authority and is recorded on the Financial Services Register under the firm reference : 301911

Homesavers Mortgages and Loans Ltd is the controller of the information that you provide to us and is responsible for protecting your data. You should contact us if you have any concerns about the personal information that you have provided or if you need further help about it. Our contact details are:-

By post to : 6 Kensington South,Bishop Auckland,County Durham,,DL14 6JA

By telephone : 01388 606294

By Email : homesavers2002@aol.com


How we use your personal information

The personal information that you provide us with may be used for a number of different purposes and these are set out below:-

For assessing your eligibility for mortgages and / or other products available from the lenders and product providers that we deal with. We will process your information for this purpose only where you have consented to this.

For making an application to a lender or other product provider on your behalf (which may include automated decision making). We will process your information for this purpose where you have consented to it and because you have asked us to take specific steps before entering into a contract with a lender or provider.

For fraud prevention, for audit, compliance and regulatory purposes, for maintaining a business register of our past clients & for statistical analysis.


We will process this information because we have a legal obligation to do so. This means that in order to comply with our legal and common law obligations we must process certain information in a certain manner and keep records to demonstrate compliance. You still have the rights set out below in relation to your personal information but you may not be able to
exercise your right to erasure in these circumstances.

For dealing with any queries or concerns that you may have after we have provided our service to you and until any such product so provided has ended.

We will process this information where you have consented to this and on the basis of our "legitimate interest" to provide information to you on request at any time after we provide our initial services to you and until any such product so provided has ended. You still have the rights set out below although where you withdraw your consent we may still have the right to process the data for this purpose on a legitimate interest basis.

We may use your personal data to contact you at the end of any preferential rate period on your mortgage or to consider insurance in relation to your mortgage products.

We will do this, where you consent to this in the declaration below, although you have the right to withdraw this consent at any time.

Who we may share your information with

We will keep your information confidential at all times and will only share that information in certain circumstances as set out below. We may share your information with third party providers of product data (referred to as sourcing systems or portals). This will be so that we can research and identify products that meet your stated requirements and for which you are eligible.
We may share your information with, and obtain information about you from, credit reference agencies or fraud prevention agencies. If you apply to us for a loan, we will pass on your details to the lender. We may also pass on your information to a third party processor (a packager) who will gather information on behalf of the lender. Information provided by you may be put onto a register and shared with other lenders to prevent fraudulent applications. If you apply to us for insurance
we will pass your details to the insurer. We may do this directly or through a third party processor ( a portal or another insurance intermediary) who will gather the information on behalf of the insurer. We may also share your information with solicitors as a part of the mortgage process.

Information provided by you may be put onto a register of claims and shared with other insurers to prevent fraudulent claim. Where we do not offer a particular service that you require and where you consent we may pass on information to third party intermediaries, solicitors or other providers (such as will writers) to effect an introduction to them in order for them to offer additional services to you.

We may share your personal information with third party processors in order to verify the integrity of certain documentation that you may provide us with so that we are able to comply with antimoney laundering and anti-fraud requirements.

We may share your data with other third parties as a part of our security and back up procedures.

All these parties operate in the European Economic Area(EEA). We will not use parties where the information would be stored outside the EEA.

We will share your personal information with our regulator ( The Financial Conduct Authority) and third party providers of compliance services as a part of our regulatory obligations.

How long we will keep your personal data

We will retain records relating to assessing your eligibility for products available from the lenders and product providers that we deal with for a minimum period of three years from the date the advice is given or the product sold up and for up to 7 years in order for us to be able to comply with our regulatory requirements and in order to be able to respond to enquiries by our regulators and other government agencies.

We will retain records for making an application to a lender or other product provider on your behalf for a minimum period of 7 years and a maximum period not exceeding the date upon which any product sold would be expected to have come to an end.

We will keep records

For fraud prevention

for audit, compliance and regulatory purposes

for maintaining a business register of our past clients

for statistical analysis

indefinitely although the firm reserves the right to dispose of these records as and when it sees fit.

We will retain records for dealing with any queries or concerns that you may have after we have provided our service to you and until any such product so provided has ended for a period of up to 7 years after the product or service so provided might be expected to have come to an end based on the term identified at the point of sale.

The rights that you have regarding your personal data
You have the right to be informed about how we hold and deal with your personal information and this document fulfils that obligation. The have the right of access to all of the personal data that we hold about you. You can request this from us at any time. We will not normally charge a fee for this.

You have the right to rectification which means that you can have any incorrect information that we hold about you corrected.
The right to have your data deleted if you no longer require us to process it for you or if you withdraw your consent. (This right may not apply where our basis for processing is by legal obligation.)

The right to restrict our processing of your personal information in certain circumstances.

Where we process your data electronically, you have the right to transfer any personal information that you have provided to us to another party.

You have the right to object and this is set out in detail below under the heading, "Affirming your consent"

Although we do not carry out any automated decision making as a part of our service to you, those lenders and providers that we deal with may do so. Where you have consented to our processing of your personal data as set out in this document, you are also consenting to us to pass your personal data onto these lenders to carry out such actions. You have particular rights regarding automated decision making and these will be explained to you before such action takes place.

Your right to withdraw consent

Where you have given your consent for us to process your information, you have the right to withdraw this at any time. Where you do this, we will cease processing the data for the purposes for which you have given consent and this will mean that we will be unable to complete any service or transaction that we are performing on your behalf. You should refer to the section above headed "How we use your personal information" to see where we are processing information on the basis of your consent or on the basis of our other regulatory or legitimate interests.

Your right to complain
If you are dissatisfied with the way that we have handled your personal information you are entitled to complain to us about this. You also have the right to refer the matter to the Information Commissioners Office whose address is:-

Information Commissioner's Office, Wycliffe House, Water Lane,Wilmslow,Cheshire,SK9 5AF

Or by telephone to : 0303 123 1113

Testimonials

Homesavers Mortgages and Loans in Bishop Auckland were recommended to me by a friend and from the moment I first contacted your mortgage company I found you to be helpful, straight forward and highly efficient. I also took mortgage advice from the in house mortgage advisor at the...

Dan, Bury (2010) (2013)

Hi Bill, Many thanks for that mortgage advice. I really appreciate the time and effort you put in to get this all put in place so quickly, the level of service was outstanding and certainly far exceeded my expectations! I will definitely be passing your details on to some c...

Puneet, London (2012) (2013)

Considering my personal financial circumstances and the fact that I literally walked in off the street I felt that I recieved a competent efficient service from Homesavers Mortgages and Loans in Bishop Auckland, with a warm welcome each time I called in. The mortgage offered t...

John and Louise, Co Durham (2010) (2015)

Thankyou! Finally we thought this day would never come, Thank you for everything you did for us, it would not of been as easy with out all your help. As first time buyers in Bishop Auckland Co Durham

Chris and Jen, Co Durham 2012 (2013)

Homesavers were reassuringly knowledgeable and friendly, made the process much less stressful. I would definitely recommend them.

Sara, Bedford 2013 (2013)

Thank you for all of your help, could not of understood any of this mortgage stuff without you...thanks for making it simple (mortgages for dummies by T Sharp 2013)

Davey and Fiona, Co Durham (2013)

We found Homesavers Mortgages and Loans in Bishop Auckland to be professional and efficient. The team members we spoke to were approachable and very helpful, despite quite a drawn out mortgage application (due to property issues) Trevor liaised with us and our estate agent to ex...

Vedran Biondic, Hertfordshire 2014 (2014)

Brilliant service once again from Homesavers in Bishop Auckland Co Durham, bearing in mind we have had Easter from application to offer it has been approx 1 week. Heather

Heather , Manchester 2014 (2014)

Very pleased with the service we received! Always got a text,email or call when I was in need of help and advice. Homesavers Mortgages and Loans in Bishop Auckland always make sure to contact us in a few years when our mortgage rate will increase. Leanne and Peter

Leanne and Peter, Murton 2014 (2017)

Fantastic service from start to finish, Trevor was always there to answer questions and there were numerous questions! Would highly recommend Homesavers Mortgages and Loans to friends.

Bryan and Annemarie, Newton Aycliffe 2014 (2014)

We found working with Trevor to be an absolute pleasure, He was always friendly, professional and competent. We have already recommended Homesavers Mortgages and Loans to others and will continue to do so. We were very please with the product Trevor found on our behalf and fel...

Anthony and Kate, East Sussex 2014 (2014)

Having used Homesavers Mortgages and Loans in the past, I had no doubts about doing so again, especially in very difficult personal circumstances. The services offered was highly professional, efficient and reassuring in a time of much financial uncertainty and turmoil. I wil...

Tracy, Spennymoor 2014 (2014)

An excellent service provided by Trevor who guided me through the mortgage process with ease and simplicity.

Christopher , Spennymoor 2014 (2014)

I was very impressed by the personal service that I received and the time the staff members were able to spend with me/talking to me. As a first time buyer of a property and a mortgage I was very grateful for the information I received and for the service that Homesavers Mortg...

Alex, London 2014 (2014)

We had an exceptionally good service from Homesavers Mortgages and Loans. We were very unsure about remortgaging as had never done this before however, were soon put at ease. Any questions we had (and there were quite a few) they were dealt with efficiently making the process...

Danielle, Co Durham 2015 (2015)

Hi Bill We just wanted to thank Homesavers Mortgages and Loans, very much for the efficient and friendly service you provided us while purchasing our new house which is, incidently, wonderful! Your knowledge of the market and assistance with organisation, and the resulting ...

Brett and Claire, Darlington 2015 (2015)

We would like to thank Bill again for all the support with our purchase! top notch service!...we will be recommending Homesavers Mortgages and Loans to everyone we know! Ali and Clare

Clare and Ali, Durham 2015 (2015)

Bill Just a little note to say a massive thank you for all of your hard work and patience! to get us our gorgeous new home! We would not trust anyone else with the job and we really appreciate all that you have done for us. Thank you very much.

Cassandra and Mark, Sunderland 2016 (2016)

I am delighted to say that the re-mortgage with Santander completed today, which I am thrilled about. Thank you so much for your quick and thorough work, it is very much appreciated and I will certainly be back to you for any future requirements, and I will recommend Homesavers M...

Elizabeth, Co Durham 2016 (2016)

Thanks again for arranging this Bill, as always very simple and a pleasure having you represent us.

Darren and Tracy, Kent 2016 (2016)

I Dealt with Trevor who couldn't have been more helpful, His help and advice was invaluable. I would certainly recommend Homesavers Mortgages and Loans to everyone I know!

Peter, Durham 2016 (2016)

I wanted to personally thank Trevor at Homesavers Mortgages and Loans for his help and guidance in this process. You have been absolutely brilliant and talked me through anything I didn't understand with patience, understanding and reassurance that I wasn't completely c...

Louise, West Midlands 2016 (2016)

Bill I just want to thank you for all you at Homesavers Mortgages and Loans have done for us, you have helped us get our very first home together THANK YOU

Cooke, Houghton Le Spring 2016 (2017)

Homesavers Mortgages and Loans came personally recommended and we are so pleased we used there services, Trevor provided us with an excellent service, his guidance and assistance proved invaluable during a tense time. We put our faith in Trevors experience and knowledge and he m...

Ian and Victoria, Wolsingham 2017 (2017)

Excellent service form Homesavers Mortgages and Loans in Bishop Auckland, I was recommended by my brother to see Bill, And I thought the service was second to none. I will remortgage with you in the future and possibly purchase a Buy to Let.

Warren, Bishop Auckland 2017 (2017)

We felt from the outset that Trevor from Homesavers Mortgages and Loans was looking out for our best interest and we trusted that he found us the best deal for our financial situation at this time. Having spoken with another broker a short time before we felt disheartened and ...

Chloe, Wolsingham 2017 (2018)

Thank you so much Bill at Homesavers Mortgages and Loans for helping us with our new home! Also sorry for all the constant texts, questions and phone calls!

Tom and Rebecca, Witton Le Wear 2017 (2017)

Fantastic service all round provided by Bill, giventime to understand the products before making an informed decision, very knowledgeabe and made the process to adjust our mortgage and life insurance policies extremely straitforward, I will certainly pass on Bill & the teams ...

Jon , Darlington 2017 (2018)

We just wanted to say a huge thank you to Bill at Homesavers Mortgages and Loans for being so helpful with my re-mortgage! I keep recommending you to friends, ( If that's ok!) I look forward to hearing from you again in about a year and ten months!

Rachael, London 2017 (2017)

I am so pleased to have chosen Mortgage Experts from Homesavers Mortgages and Loans as they have supported me greatly through stressful times of purchasing my first property! Please feel free to visit my property anytime all staff are welcome Thank You xx

Craig, Gateshead 2018 (2018)

I would just like to add that Trevor was extremely helpful as I had no clue what to do regarding me remortgage, Trevor at Homesavers Mortgages insisted that I send anything that I didn't understand to him and he would advise. Also the mortgage went through very quickly an...

Smyth J, South East London 2018 (2018)

Fantastic service, everyone I spoke to were friendly and approachable. I would always use Homesavers Mortgages and Loans and recommend to everyone! Thank you so much

Stephenson/Wallace , Wolsingham 2018 (2018)

Very friendly, Trustworthy and always on hand to reply to any messages/emails quickly, efficiently and effectively I would highly recommend.

Fiona, Bishop Auckland 2018 (2018)

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