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PLEASE TAKE 2 MINUTES TO FILL IN OUR SIMPLE 2 STEP FORM AND WE WILL COMPARE PRICES WITH ALL THE COMPETITIVE PROVIDERS. THANK YOU.

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What type of quote do you require:

Mortgage Details:

Years

Personal Details:

Has any applicant ever had a property repossessed?

Has any applicant ever received any defaults or CCJs?

Has any applicant ever been Bankrupt or subject to an IVA?

Are you an existing client of MAS?

Insurance Details:

Insurance Required:

With Decreasing Term Assurance, the amount of cover provided will gradually decrease over the course of the term. This makes this type of cover the most cost-effective policy to run alongside a Repayment Mortgage as the cover will reduce each month in line with your outstanding mortgage balance.

With Level Term Assurance, the amount of cover remains the same for the term of the policy. This type of cover is often used to protect an Interest Only Mortgage.

A Whole Of Life Assurance policy will remain in force for life as long as the premiums are maintained.

Years

Do you require Critical Illness Cover?

Insurance Details:

Insurance Required:

Property Type:

Insured Property Details:

Personal Details:

Have you made any claims in the last 5 years?

IS THIS A JOINT OR SINGLE APPLICATION:

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Mortgage Advice Services - Privacy Policy

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We are committed to ensuring your privacy is protected. Our Privacy Policy sets out details of the information that we may collect from you and how we may use that information. Please take your time to read this Privacy Policy carefully. Where appropriate, our Privacy Policy should be read in conjunction with our website usage terms and conditions.

About Us

Our Privacy Policy describes how the Home Finance Advice group of companies (HFA Group) collect and process data about individuals. This group includes: Home Finance Advice Holdings Limited; Home Finance Advice Buildings and Contents Limited; Home Finance Advice Direct Limited and Home Finance Advice Life Limited and this policy applies to our trading styles – Mortgage Advices Services and Home insurance Services. We are an Insurance and Mortgage Broker and in order to provide our services, we collect and use data about individuals. We are a 'data controller' and are responsible for complying with data protection laws. If you have any questions about how we collect, store or use your personal information, you may contact our Compliance Team using the details shown in the “Contacting us” section below.

About the insurance and mortgage market

The personal information that we collect and process will be shared with other participants in the insurance and mortgage market. You may not have direct contact with some of the organisations that we share data with. Data is transferred within the insurance and mortgage market as follows:-

Processing your personal information

The personal information that we collect will depend on the reason and depth of our contact with you. We will collect more detailed information about you if you ask us to provide a quotation or take out a policy or mortgage than if you just ask us about what we do.

Depending on the cover or loan that you are interested in we may ask you to supply sensitive data (sensitive data is information relating to your health, genetic or biometric data, criminal convictions, sex life, sexual orientation, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership) because it is relevant to your insurance policy or claim. We may also record information regarding criminal convictions for the purposes of preventing, detecting and investigating fraud and to comply with anti-money laundering regulations.

If you provide personal information to us about other people you should provide them with a copy of this Privacy Policy. It is your responsibility to obtain consent from the person(s) concerned.

About the data we collect and how we look after it.

If you are a prospective or existing customer, or an associated party to an insurance policy, a mortgage customer, a witness to an accident or are making a claim against one of the clients that we place cover for, and have submitted your personal information, then this section details how we will look after your data. This section also covers the personal information we collect about you and use if you are a loss adjuster, loss assessor, wholesale broker, third party producing broker, estate agent, builder, surveyor, appointed representative, insurer, bank, building society or lender.

Personal Information that we might collect

We will only collect personal information that is relevant to the purpose we are instructed to act.

Sensitive Data

Collecting your personal information

Using your personal information

We may process your information for a number of different purposes. We will rely on the following legal grounds for processing your data:

When the information that we process is classed as a special category of information, we must have one of the following additional legal grounds for such processing:

Please see below for further details of the different ways we use your personal information and the legal grounds we rely on when doing so

Purpose for processingLegal grounds for using your personal informationLegal grounds for using your special categories of information
To evaluate your insurance or borrowing needs, risk appetite and obtain quotes for you
  • It is necessary to enter into/perform our contract
  • We have a genuine business need (to determine market placement and place insurance cover or lending for you that is in line with your needs)
  • It is necessary for an insurance or lending purpose
To set you up as a customer including carrying out fraud, credit and anti-money laundering checks and, in the case of lending, affordability checks.
  • It is necessary to enter into/perform our contract
  • We have a genuine business need (to carry out appropriate credit checks and fraud checks)
  • We have a legal or regulatory obligation
  • The prevention and detection of fraud is in the substantial public interest
  • It is necessary for an insurance or lending purpose
  • It is necessary to establish, exercise or defend our legal rights
Communicating with you and responding to any enquiries you have
  • It is necessary to enter into/perform our contract
  • We have a genuine business need (to respond to our prospective customers and keep them updated on any future placing of insurance cover or lending needs)
  • It is necessary for an insurance or lending purpose It is necessary to establish, exercise or defend our legal rights
Complying with our legal or regulatory obligations (such as our requirements to report to the FCA)
  • We have a legal or regulatory obligation
  • It is necessary to establish, exercise or defend our legal rights
  • It is necessary for an insurance or lending purpose
Providing improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers)
  • We have a genuine business need (to continually improve our services)
  • It is necessary for an insurance or lending purpose
Managing our business operations such as maintaining accounting records, analysing financial results, complying with internal audit requirements and receiving professional advice (e.g. tax or legal advice)
  • We have a genuine business need (to carry out business operations and activities that are necessary for the everyday running of a business)
Monitoring applications, reviewing, assessing, tailoring and improving our products and services and similar products and services offered by HFA Group
  • We have a genuine business need (to market our services)
To arrange appropriate insurance cover and provide policy documentation
  • It is necessary to enter into/perform our contract
  • We have a genuine need (to ensure that you have the appropriate policy documentation)
  • It is necessary for an insurance purpose
To arrange appropriate mortgages and/or loans and provide relevant documentation
  • It is necessary to enter into/perform our contract
  • We have a genuine need (to ensure that you have the appropriate mortgage and/or loan documentation)
  • It is necessary for a lending purpose
To assist in any claims made under an insurance policy we have placed
  • It is necessary to enter into/perform our contract
  • We have a genuine business need (to assist customers in any claims they have)
  • It is necessary for an insurance purpose
To assist with any renewals, mid-term adjustments of your insurance policy or cancellations
  • It is necessary to enter into/perform our contract
  • We have a genuine business need (to provide you with appropriate broking services where you request a renewal, mid-term adjustment or cancellation of the insurance policy we have placed)
  • It is necessary for an insurance purpose
Prevention and detection of and investigating and prosecuting fraud. This might include sharing your personal information with third parties such as the police, and other insurance, lenders and financial services providers.
  • It is necessary to enter into/perform our contract
  • We have a genuine business need (to ensure that we take all necessary precautions to prevent fraud)
  • The prevention and detection of fraud is in the substantial public interest.
  • It is necessary for an insurance or lending purpose.
  • It is necessary to establish, exercise or defend our legal rights.
Tracing and recovering debt
  • We have a genuine business (to trace and receive any debt which is owed to us)
  • It is necessary to establish, exercise or defend our legal rights
Monitoring usage of any of the various HFA Group websites
  • We have a genuine business need (to assess usage of our website)
To apply for and claim on our own insurance
  • We have a genuine business need (to have our own insurance)
  • We have your explicit consent
  • It is necessary to establish, exercise or defend our legal rights
To enter into business relationships which facilitate and enable us to place insurance policies and mortgages and/or loans for our customers
  • It is necessary to enter into/perform our contract
  • We have a genuine business need (to enter into arrangements with other insurance and lending partners so that we can provide services to our customers)
  • It is necessary for an insurance or lending purpose

Sharing your personal information

From time to time, we may share your personal information with the following third parties for the purposes set out above:

How do we protect your personal information when sending it abroad?

We do not transfer any personal information used or stored for marketing purposes outside of the European Union.

What marketing activities do we carry out?

If you have provided your consent for marketing, we may from time to time provide you with information about our products or services or those of our partners. We will send you marketing communications where we think you will be interested in receiving them. We do not send out generic marketing communications by email but we may send you (non-marketing) service related communications.

How long do we keep personal information for?

We will only store your personal information for as long as reasonably necessary to fulfil the purposes set out in this Privacy Policy and to comply with our regulatory and/ or legal obligations. We have a detailed retention policy in place which governs how long we will hold different types of information for. The exact time period will depend on the purpose for which we collected that information, for example:

PurposeRetention Period
Providing a quotation15 months from date of collection
Providing or administering an insurance policy or mortgageDepending on the type of policy this would be between 5 and 40 years from date of policy termination date. For Mortgages between three years and the term of the regulated mortgage contract or home purchase plan
Handling a claim6 years from first date of claim notification
Dealing with a complaint5 years from first date of complaint notification

Automated processing

We do not use automated processing for decision making purposes.

Your rights

Under data protection law you have the right to make certain requests in relation to the personal information that we hold about you. We will not usually make a charge for dealing with these requests. To make a request, please contact us using the details provided in the “Contact us” section below.

We will always respond to any request you make, however there may be times where we are not able to comply (for example if doing so would conflict with our obligation to comply with other regulatory and/ or legal requirements). If we can't comply with your request, we will tell you why.

There may also be circumstances where exercising some of these rights (such as the right to erasure, the right to restriction of processing and the right to withdraw consent) will mean your insurance can no longer be provided and it may result in cancellation of your policy. Under these circumstances you will lose the right to bring any claim or receive any benefit, including in relation to any event that occurred before you exercised your right of erasure, if our ability to handle the claim has been prejudiced. Your policy terms and conditions set out what will happen in the event your policy is cancelled.

The right to access your personal information

You are entitled to a copy of the personal information we hold about you and certain details of how we use it. We will usually provide you with your information in writing, unless you request otherwise, or where you have made the request using electronic means, in which case the information will, where possible, be provided to you by electronic means.

The right to rectification

We take reasonable steps to ensure that information we hold about you is accurate and complete. However, you can ask us to amend or update it if you do not believe this is the case.

The right to erasure

You have the right to ask us to erase your personal information in certain circumstances, for example where you withdraw your consent or where the personal information we collected is no longer necessary for the original purpose. If there is a regulatory and/or legal obligations which means we cannot comply with your request we will let you know.

The right to restriction of processing

In certain circumstances, you are entitled to ask us to stop using your personal information, for example where you think that we no longer need to use your personal information or where you think that the personal information we hold about you may be inaccurate.

The right to data portability

You have the right, under certain circumstances, to ask that we transfer personal information that you have provided to us to another third party of your choice

The right to object to marketing

You can ask us to stop sending you marketing messages at any time. If you opt out of receiving marketing messages, we may still send you (non-marketing) service related communications which relate to the product you have bought.

The right to withdraw consent

We will ask for your consent for certain uses of your personal information. Where we do this, you have the right to withdraw your consent to further use of your personal information.

The right to complain

If you have any questions or complaints relating to how we use your personal data, or if you wish to exercise any of your rights regarding your personal data, please contact the Compliance Team using the details provided in the “Contact us” section below. We will respond to you as soon as is possible. The length of time will depend on the type and complexity of the request, but you will receive a response, normally no later than one month from the initial request.

If you are unhappy about how we respond to your enquiry or if you believe that any use of your personal information by us is in breach of applicable data protection laws and/or regulations you have a right to complain to the Information Commissioner's Office. More information can be found on the Information Commissioner’s Office website: www.ico.org.uk.

This will not affect any other legal rights or remedies that you have.

How we protect your information

To protect your information we use a range of organisational and technical security measures. Where we have given you (or you have chosen) a password, you are responsible for keeping this password confidential. Please do not share your password with anyone.

Internally, HFA Group restricts access to your information as appropriate to those who need to know that information for the purposes set out above. We use firewalls to block unauthorised traffic to the servers and the actual servers are located in a secure location which can only be accessed by authorised personnel. Our internal procedures cover the storage, access and disclosure of your information.

Contacting us

You may contact us if you have any questions about how we collect, store or use your personal information. Please write to The Compliance Team, Mortgage Advice Services, 16 St Christopher’s Way, Pride Park, Derby, DE24 8JY or email: compliance@mortgageadviceservices.co.uk

Updates to this Privacy Policy

We may need to make changes to this Privacy Policy periodically, for example, as the result of government regulation, new technologies, or other developments in data protection laws or privacy generally. You will be provided with a copy of the most up-to-date Privacy Policy and you can also view it by checking our website.

This Privacy Policy was last updated on: 24 May 2018

Finding the best Mortgage Products & putting the Customers first

Very satisfied. Paul explained everything well and answered any queries which we had. The mortgage was handled and completed without any stress. We were kept up to date regularly. Very good service. We were kept up to date with the process and contacted immediately if any further information was needed. The staff which we dealt with were very helpful any efficient. Would recommend.

Mr & Mrs W of Market Drayton

Finding the best Mortgage Products & putting the Customers first

Excellent, very fast process and Sara helped where others weren’t able to. Very straight forward and trouble free.

Mr R of Norfolk

Finding the best Mortgage Products & putting the Customers first

Excellent, knowledgeable service.

Mr & Mrs E of Norwich

Finding the best Mortgage Products & putting the Customers first

We found Paul to be very helpful from the onset. He always arrived on time for any meetings arranged convenient to ourselves. He kept us updated throughout and answered any questions that we had within a short period of time. Everything was explained to us in an easy to understand manner. We would both like to express our thanks to Paul.

Mr & Mrs W of Burton-on-Trent

Finding the best Mortgage Products & putting the Customers first

No problems at all with Steven, went through seamless, thanks for all your help.

Mr C from Merseyside

Finding the best Mortgage Products & putting the Customers first

I was really impressed by Iwan’s knowledge. He explained everything which was going to happen which put my mind at rest and I had total faith in what he was doing on my behalf.

Mrs F of Manchester

Finding the best Mortgage Products & putting the Customers first

I am pleased to do this survey, Steven was really helpful and gave some really wonderful advice without this I would have struggled due to my circumstances now having cancer. It was a Blessing that I took the critical illness & income protection. My circumstances would have been different financially. I would fully recommend your services to my family & friends. I have had some very helpful advice from Steven Muskett and also very wonderful Tracy Fox for them being there when I needed them has helped me to no end.

Mrs R of Skelmersdale

Finding the best Mortgage Products & putting the Customers first

Elizabeth made me feel as if she was doing the best she could for me to ensure I received a good deal. Everything was done quickly and efficiently with continued updates to its progress. Can’t thank Elizabeth enough. Quick and efficient can’t fault them and thank you all very much.

Ms C of Basingstoke

Your Home May Be Repossessed if You Do Not Keep Up Repayments on a Mortgage or Any Debts Secured on it.

From time to time, Mortgage Advice Services, or its industry partners, may contact you and offer to review your financial circumstances. If you do not wish to be contacted by us, you may notify us by sending an e-mail to info@mortgageadviceservices.co.uk; or by telephoning 01332 257 087; or by writing to The Compliance Department, Mortgage Advice Services, 16 St Christopher’s Way, Pride Park, Derby, DE24 8JY. Mortgage Advice Services is a trading style of Home Finance Advice Holdings Limited. Home Finance Advice Holdings Limited is an Appointed Representative of Affinity Select Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Home Finance Advice Holdings Limited is registered in England Number 08038330. Affinity Select Insurance Services Limited. Registered Office: Horsted Square, Bellbrook Business Park, Bell Lane, Uckfield, East Sussex, TN22 1QG. Registered in England Number 03565404. You can check this on the Financial Services Register by visiting the FCA’s website register.fca.org.uk/ or by contacting the FCA on 0800 111 6768. The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. ©2018 mortgageadviceservices.co.uk, full terms and conditions apply. The Financial Conduct Authority does not regulate Trusts

Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details: http://financial-ombudsman.org.uk
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