Good morning and welcome to:

Your online mortgage finder

Use our straightforward online tool to find the right mortgage for you

What do you need a mortgage for?

Need help?

If you're buying a home for yourself or making a new buy to let investment, select 'I'm looking to buy'. If you're not making a new purchase, but would like to see current mortgage options for a property you already own, select 'I'm remortgaging'

If you're over 55 and a homeowner we can help you with a range of options

Please select what you need the mortgage for

I'm remortgaging
I'm looking to buy
I am looking for later life lending

What is the value of the property?

Need help?

If you're making a new purchase, enter the market price or the amount you have been offered and accepted. If you're remortgaging and have had a valuation from a surveyor or estate agent within the last six months, use that figure. The more accurate the value, the more appropriate your mortgage selections will be

Please enter the property value Please enter at least £50,000

How much do you want to borrow?

Need help?

The mortgage amount is the total amount you wish to borrow from a lender. If you're buying, this will be the difference between the purchase price and the amount you have in deposit funds. You can generally borrow a maximum of 95% of the property value to live in. If it's a buy to let purchase, many lenders will offer a maximum 85% loan to value (LTV)

If you're remortgaging, enter the outstanding balance of your current mortgage. If you want to release any additional funds, add that amount. Note that the typical maximum of 95% LTV could still apply

Please enter how much you want to borrow Please enter at least £20,000 Your loan to value (LTV) is more than 95% and there are currently no mortgages on the market to match that

What is your ideal mortgage term?

Need help?

A mortgage term is the number of years over which you agree to make payments to the lender. For a repayment mortgage, the longer the mortgage term, the lower the monthly payments will be, but the more interest you'll pay overall. Mortgage terms are typically 25 or more years, but can be less. By the end of the term, the mortage will be paid off and you'll own the property outright

If you have an interest-only mortgage, the interest will be paid off by the end of the term, but at that point you'll have to repay the original capital

Please select your ideal mortgage term

Are you living in the property or do you intend to let it out?

Need help?

It's essential that a lender knows whether the property being mortgaged is your own home or a rental property, as the risk and lending criteria are different for each. Lending to a homeowner is considered relatively low risk, so the maximum you can borrow tends to be high and the interest rates can be lower than for buy to let. If you're renting a property out, you will need a specialist buy to let mortgage.

Be aware that if you let a property on a standard residential mortgage without informing your lender, you could be in breach of the terms of your mortgage and your lender could require you to immediately repay the entire outstanding mortgage balance.

Please select an option

Information about you

It is important this information is accurate and precise

Your title

Please select your title

Your first name

Please enter your first name

Your middle name

Leave blank if it does not apply to you

Your last name

Please enter your last name

What is your total annual income, before tax?

Need help?

Please include all forms of income, ie:

Gross salary
Dividends
Pensions
Bonuses
Rental income
Investments
Any other income

Please enter your total annual income, before tax Your combined annual income is too low to apply for a mortgage of this value

For Joint applications, please add the second applicants total annual income before tax

Need help?

Please include all forms of income, ie:

Gross salary
Dividends
Pensions
Bonuses
Rental income
Investments
Any other income

What is the joint applicant total annual income, before tax?

Thank you, We hope you're having a good morning

Your current address

This is in relation to the property you currently live at

Enter your current postcode

Enter your postcode, then click 'Find address'

Please enter a valid UK postcode and click 'Find address'

Find address

Your date of birth

We need this to confirm you're old enough to take out a mortgage

Your date of birth

Enter your date of birth in the format DD/MM/YYYY

Please enter your date of birth in the correct format (DD/MM/YYYY) You must be over 18 to apply for a mortgage

Your email address

We only use your email address to update you about your mortgage,

Your email address

Ensure this is accurate before continuing

Please enter your email address This email address does not appear to be valid This email address doesn't look valid. . Would you like to fix? Yes, fix my email address

Finally, your mobile telephone number

We only use your mobile telephone number to update you about your mortgage,

Your mobile telephone number

Ensure this is accurate before completing

Please enter your telephone number This telephone number does not appear to be valid

Terms and conditions for customers
Terms of website use
Privacy policy
Cookie policy

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Terms of website use ('Terms')

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS SITE

These terms tell you ('You', 'Customer') the rules for using our website givingmortgages.co.uk ('Site').

Who are we?

The Site is operated by Giving Mortgages Ltd ('We'). We are registered in England and Wales under company number 13938756 and have our registered office at Marlborough House, 298 Regents Park Road, London, England, N3 2SZ.

You can contact us by using Telephone - 0333 335 5103, or Email - contact@givingmortgages.co.uk

Acceptance of these Terms

By using our Site, you confirm that you accept these terms of use and agree to comply with them. If you do not agree to these terms, you must not use our Site.

Any access or use of the Site by anyone under the age of 18 is prohibited. By agreeing to these Terms of Use, you represent and warrant that you are 18 years of age or older and have the legal capacity to enter into and abide by these Terms of Use.

These terms of use refer to the following additional terms, which also apply to your use of our Site:

Our Acceptable Use Policy
Our Privacy Policy
Our Cookie Policy, which sets out information about the cookies on our Site

If you sign up for a trial or purchase services from our Site, the terms of the User Agreement will also apply.

Changes

We amend the Termsand any one of our policies from time to time. Every time you wish to use our Site, please check these terms to ensure you understand the terms that apply at that time. We may update and change our Site from time to time to reflect changes to our products, our users' needs and our business priorities.

We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms of use and other applicable terms and conditions and that they comply with them.

We cantransfer our rights and obligations under these terms to any third party, provided this does not adversely affect your rights under these terms.

Account Details

If you choose, or you are provided with, a login, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us.

Use of the material on the Site

We are the owner or the licensee of all intellectual property rights in our Site and the material published on it. Those works are protected by certain copyright laws.All such rights are reserved. You may print off one copy and download extracts of any page(s) from our Site for personal use, and you may draw the attention of others within your organisation to content posted on our Site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged (except where the content is user-generated).

You must not use any part of the content on our Site for commercial purposes without obtaining a licence to do so from us or our licensors. If you print off, copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately, and you must, at our option, return or destroy any copies of the materials you have made.

Reliance

The content on our Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our Site.

Although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete or up to date.

Third-Party Links

Our Site contains links to other sites and resources provided by third parties; these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

Third-Party Products

We may provide you with access to, be integrated with, or contain links or references to products, services, data, information, sites or other materials which are provided or operated by third parties (collectively, "Third Party Products"). Any exchange of data between you and any third-party provider of a Third-Party Product is solely between you and the applicable third-party provider.

By integrating with a Third-Party Product, you acknowledge and agree that: (i) your data may be shared with the third-party provider; and (ii) we shall not be held liable to and shall not accept any liability, obligation or responsibility whatsoever for any loss or damage in connection with the data we provide to such third parties. Any purchases made using these links shall be subject to the relevant supplier/provider's terms and conditions.

User-Generated content

This website may include information and materials uploaded by other users of the Site. This information and these materials have not been verified or approved by us. The views expressed by other users on our Site do not represent our views or values.

If you wish to complain about content uploaded by other users, please get in touch with us.

Liability

Whether you are a consumer or a business user:

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. All other liability shall be excluded to the fullest extent possible. Any further liability shall be capped at £1,000.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products to you, which will be set out in our User Agreement.

If you are a business user:

We exclude all implied conditions, warranties, representations or other terms that may apply to our Site or any content on it.
We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
- use of, or inability to use our Site; or
- use of or reliance on any content displayed on our Site.
In particular, we will not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.

If you are a consumer user:

Please note that we only provide our Site for domestic and private use. You agree not to use our Site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

At all times, you shall be liable to us for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with your use of the Site or breach of any terms and conditions or policies available on the Site.

Furthermore, you agree to indemnify, defend and hold us and our affiliated companies, shareholders, officers, directors, employees, agents or suppliers harmless from any and all claims or demands, made by any third party due to or arising out of your use of the Site, through your password or otherwise, the violation of these Terms by you, or the infringement by you of any intellectual property or other right of any other person or entity.

Use of Personal Information

We will only use your personal information as set out in our Privacy Policy, which can be accessed here: privacy policy

Uploading content to the Site

Whenever you make use of a feature that allows you to upload content to our Site, or to make contact with other users of our Site, you must comply with the content standards set out in our Acceptable Use Policy.

You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

Any content you upload to our Site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our Site a limited licence to use, store and copy that content and to distribute and make it available to third parties.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our Site constitutes a violation of their intellectual property rights, or of their right to privacy. We have the right to remove any posting you make on our Site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy. You are solely responsible for securing and backing up your content.

When you upload or post content to our Site, you grant us and other users the following rights to use that content a worldwide, non-exclusive, royalty-free, transferable licence to use, reproduce, distribute, prepare derivative works of, display, and perform that user-generated content in connection with the service provided by the website and across different media including to promote the Site or the service.

Viruses

We do not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our Site. You should use your own virus protection software.

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

Linking to our Site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our Site in any website that is not owned by you. Our Site must not be framed on any other Site, nor may you create a link to any part of our Site other than the home page.

We reserve the right to withdraw linking permission without notice. The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy. If you wish to link to or make any use of the content on our Site other than that set out above, please contact us.

Jurisdiction

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland, you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Acceptable use policy

This acceptable use policy sets out the content standards that apply when you upload content to our Site, make contact with other users on our Site, link to our Site, or interact with our Site in any other way and shall be read together with the Website Terms of Use and the Privacy and Cookie Policy.

Prohibited uses

You may not use our Site:

In any way that breaches any applicable local, national or international law or regulation.
In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
For the purpose of harming or attempting to harm minors in any way.
To bully, insult, intimidate or humiliate any person.
To send, knowingly receive, upload, download, use or re-use any material which does not comply with these Terms.
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
To upload terrorist, pornographic or other inappropriate content.

You also agree:

Not to reproduce, duplicate, copy or re-sell any part of our Site in contravention of the provisions of the Terms.
Not to access without authority, interfere with, damage or disrupt any part of our Site; any equipment or network on which our Site is stored; any software used in the provision of our Site; or any equipment or network or software owned or used by any third party.

Content standards

These content standards apply to any and all material that you contribute to our Site (Contribution), and to any interactive services associated with it. The Content Standards must be complied with in spirit as well as to the letter. The standards apply to each part of any Contribution as well as to its whole.

You must not sell, transfer, sublicense or otherwise monetise or make available any data to any third party, including any data broker, ad network, or other advertising monetization-related party.

You must not collect, store, or use the data in any illegal, unauthorized, or otherwise improper manner, or in any manner which would breach any laws or regulations regarding privacy, or violate the rights of third parties.

A Contribution must not be defamatory, obscene, offensive, hateful or inflammatory, promote sexually explicit material, violence or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age, infringe any copyright, database right or trademark of any other person.

We will determine, at our discretion, whether a Contribution breaches the Content Standards.

Breach of this policy

When we consider that a breach of this acceptable use policy has occurred, we may take such action as we deem appropriate.

Failure to comply with this acceptable use policy constitutes a material breach of the terms, and may result in our taking all or any of the following actions:

Immediate, temporary or permanent withdrawal of your right to use our Site.
Immediate, temporary or permanent removal of any Contribution uploaded by you to our Site.
Issue of a warning to you.
Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
Further legal action against you.
Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law

We exclude our liability for all actions we may take in response to breaches of this acceptable use policy. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

Terms and conditions for customers ('Terms', 'Agreement')

Your attention is particularly drawn to the provisions of clause 10 (Limitation of liability).

About us
1. Company details: Giving Mortgages Limited (company number 13938756) ('we' and 'us') is a company registered in England and Wales and our registered office is at Marlborough House, 298 Regents Park Road, London, England, N3 2SZ. We operate the website givingmortgages.co.uk ('Website').
2. Contacting us: To contact us, telephone our customer service team at 0333 335 5103 or email us at contact@givingmortgages.co.uk.
3. These terms: In these terms and conditions, we explain our services, how the contract between you and us is formed and, when it comes to an end. There are other terms and conditions in addition to the ones set out in this document, that will apply to our contract with you. These include:
  1. Our Privacy Policy: which explains how we will collect, store and process your personal data: privacy policy
  2. Our Terms of Website Use: which explain how you may use our Website and who owns the content displayed on the Website Terms of website use
  3. Our Cookie Policy: which explains what cookies are used on the Website and how you may turn these off Cookie policy
  Please do take the time to read each of the policies mentioned above. Should you have any queries regarding any of these, please do contact us using the contact details set out in clause 1.2.
Our contract with you
1. Our services: We help our customers find a mortgage by making introductions to brokers ('Services'). The mortgage can be for a number of reasons, for example because a customer is purchasing their first home, moving home or refinancing their existing mortgage to raise equity.
2. Our contract: When accessing our Website and completing the online mortgage questionnaire, you are instructing us to provide the Services. Once you submit the questionnaire, you are entering into a legally binding contract with us ('Contract') that is made on and subject to these terms and conditions ('Terms'). Please note these Terms apply to our Contract with you, to exclusion of any other terms that you seek to impose or incorporate, or which are implied by law, trade custom, practice or course of dealing.
3. Entire agreement: The Contract is the entire agreement between you and us in relation to the Services. You acknowledge that you have not relied on any statement, promise or representation or assurance or warranty that is not set out in the Contract.
4. Your copy: You should print off a copy of these Terms or save them to your computer for future reference.
Our Services
1. How to request the Services from us: To instruct us to provide the Services to you, you must complete and submit the mortgage questionnaire on the Website. Simply follow the onscreen prompts to help you do this.
2. Correcting input errors: Our online questionnaire allows you to check and amend any errors before submitting your request to us. Please check your details carefully before confirming them. You are responsible for ensuring that the details you input into the questionnaire are complete and accurate.
3. Acknowledging receipt: After you submit the questionnaire, you will receive an email from us acknowledging that we have received your submission. You will receive a further email once an introduction has been made to a broker, confirming the name and contact number of the broker who will reach out to you.
4. Reasonable care and skill: We agree to provide the Services using reasonable care and skill.
5. We are a facilitator: Please note that where we make any introductions to a broker, we are acting as a facilitator when doing so. The provision of any services by a broker will be subject to an entirely separate legal contract between you and them. If you have any questions or issues regarding those services, you must get in touch with the broker that is providing them to you.
6. Performing our Contract: Once we have entered into a Contract with you and you have submitted the online questionnaire, we will add your details to our directory and conduct credit referencing checks. Provided those checks come back as acceptable, we will share your details with broker(s) who may be able to fulfil the mortgage request that you are making. Please note who we refer you to, very much depends on the details you submit as part of the questionnaire and the results of any credit referencing checks that we conduct.
Dealing with the broker
1. Broker(s) will contact you: The broker(s) that we refer you to will contact you directly to discuss your mortgage requirements. You do not have to proceed with those broker(s), and it is entirely your choice as to whether you progress an application with them or not.
2. We do not endorse any broker: As we act as a facilitator of introductory services we cannot and do not, in any way, endorse or confirm that a broker we make a referral will be able to fulfil your mortgage requirements. It is your sole responsibility to engage with the broker to establish whether they can meet your requirements prior to you entering into a contract with them. If you do engage a broker to provide services to you, you will be entering in to a contract with them, that is outside the scope of our Contract with you.
3. Broker's services: We have no influence or control whatsoever on the information contained on a broker's website and accept no liability for its content. The content of such third-party websites is the responsibility of the respective broker.
Cancelling your request and termination
1. Cancelling your request: If after submitting the online questionnaire, you no longer want us to share your details with a broker or, make recommendations of mortgages to you, then please let us know by contacting us using the details set out in clause 1.2. If we receive your cancellation requested after we have passed your details to a broker, you will need to contact that broker directly and inform them that you no longer wish to receive mortgage details from them. If, however, we receive your request to cancel before we have shared your details with a broker, we will ensure that we do not pass those details on.
2. We can refuse to provide the Services: If we choose, we can refuse to provide the Services to you, decline your request to receive the Services or, cancel our Contract with you. If we do this, we will inform you in writing.
Your obligations
1. It is your responsibility to ensure that:
  1. the information you provide to us is complete and accurate; and
  2. you cooperate with us in all matters relating to the Services.
Intellectual property rights
1. All intellectual property rights in or arising out of or in connection with the Services and the Website are owned by us (or where applicable, our third party licensors). Nothing in the Contract shall transfer ownership of those rights to you.
Charges
1. We do not charge a fee to provide the Services to you. However, a broker may charge you a fee for their services. If they do this, you will need to pay the broker directly, in accordance with the payment terms you have agreed with them.
How we may use your personal information
1. We will use any personal information you provide to us to:
  1. provide the Services;
  2. refer you to broker(s);
  3. inform you about similar services that we provide, but you may stop receiving these at any time by contacting us.
2. We will process your personal information in accordance with our privacy policy, the terms of which are incorporated into this Contract.
YOUR ATTENTION IS PARTICULARLY DRAWN TO THIS CLAUSE.
1. Nothing in the Contract limits any liability which cannot legally be limited, including liability for:
  1. death or personal injury caused by negligence;
  2. fraud or fraudulent misrepresentation; and
  3. breach of the terms implied by section 2 of the Supply of Goods and Services Act 1982 (title and quiet possession).
2. Subject to clause 10.1, we will not be liable to you, whether in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising under or in connection with the Contract for any loss of profits, sales, business, or revenue; business interruption; loss of anticipated savings loss of business opportunity, goodwill or reputation; indirect, special or consequential loss.
3. Subject to clause 10.1, our total liability to you arising under or in connection with the Contract, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, will be limited to £1,000.
4. As provided for above, you acknowledge that the contract for the provision of a mortgage or any related services is between you and the broker and as such, it is the broker who is responsible for the provision of those services to you. We shall have no liability to you whatsoever in respect of the provision of the services or your dealings with any of the brokers who are listed on the Website or contact you following our introduction.
5. This clause 10 will survive termination of the Contract.
Events outside our control
1. We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under the Contract that is caused by any act or event beyond our reasonable control (Event Outside Our Control).
2. If an Event Outside Our Control takes place that affects the performance of our obligations under the Contract:
  1. we will contact you as soon as reasonably possible to notify you; and
  2. our obligations under the Contract will be suspended and the time for performance of our obligations will be extended for the duration of the Event Outside Our Control. We will arrange a new date for performance of the Services with you after the Event Outside Our Control is over.
3. You may cancel the Contract affected by an Event Outside Our Control. To cancel please contact us.
Communications between us
1. When we refer to 'in writing' in these Terms, this includes email.
2. Any notice or other communication given by one of us to the other under or in connection with the Contract must be in writing and be delivered personally, sent by pre-paid first class post or other next working day delivery service, or email.
3. A notice or other communication is deemed to have been received:
  1. if delivered personally, on signature of a delivery receipt;
  2. if sent by pre-paid first class post or other next working day delivery service, at 9.00 am on the second working day after posting; or
  3. if sent by email, at 9.00 am the next working day after transmission.
4. The provisions of this clause will not apply to the service of any proceedings or other documents in any legal action.
General
1. Assignment and transfer
  1. We may assign or transfer our rights and obligations under the Contract to another entity.
  2. You may only assign or transfer your rights or your obligations under the Contract to another person if we agree in writing.
2. Variation: We may amend these Terms from time to time. Any amendments made will be posted on our Website.
3. Survival: Any provision of the Contract that expressly or by implication is intended to come into or continue in force on or after termination will remain in full force and effect.
4. Waiver: If we do not insist that you perform any of your obligations under the Contract, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you or that you do not have to comply with those obligations. If we do waive any rights, we will only do so in writing, and that will not mean that we will automatically waive any right related to any later default by you.
5. Severance:Each paragraph of these Terms operates separately. If any court or relevant authority decides that any of them is unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.
6. Third party rights: The Contract is between you and us. No other person has any rights to enforce any of its terms.
7. Governing law and jurisdiction: The Contract is governed by English law and we each irrevocably agree to submit all disputes arising out of or in connection with the Contract to the exclusive jurisdiction of the English courts.

This privacy policy aims to give you information on how we collect and process your personal data through your use of givingmortgages.co.uk including any data you may provide through this site when you sign up for an account, enter a promotion or competition, submit your details to us to process, share or otherwise.

Please note this policy does not cover companies, services or applications that we do not own or control, or people that we do not employ or manage, including (without limitation) third party websites, businesses that you have allowed us to share your data with, any site which we may link to, or offer via our services. These services, applications and third parties may have their own privacy policies and/or terms and conditions of use, which we recommend you read before using any such services. These third parties and services are wholly independent of us and are solely responsible for all aspects of their relationship with you and any use you may make of such services.

By providing us with your data, you warrant to us that you consent to us using your data in ways set out in this policy and that you are over 18 years old and have the capacity to give informed consent.

This website is not intended for children and we do not knowingly collect data relating to children.

It is important that you read this privacy policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy policy supplements other notices and privacy policies and is not intended to override them.

Who are we

Depending on the service provided, Giving Mortgages Ltd (collectively referred to as 'we', 'us' or 'our' in this privacy policy) may act as a data processor, a joint data controller or a data controller in our own right to manage and improve the service.

If you have any questions about this privacy policy or our privacy practices, please contact our data privacy manager in the following ways:

Full name of legal entity: Giving Mortgages Ltd
Email address: contact@givingmortgages.co.uk
Telephone: 0333 335 5103
Postal address: Marlborough House, 298 Regents Park Road, Finchley, London, England, N3 2SZ

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

Changes to the policy

We keep our privacy policy under regular review and we reserve the right to change this policy from time to time.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Third party links

This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

What data we collect about you

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

Identity Data: includes first name, maiden name, last name, title, marital status, date of birth, job title, number of dependents, residential status, UK national status.
Contact Data: includes billing address, residential address, email address and telephone numbers.
Financial Data: includes bank account and payment card details, your salary and other income such as tax credits and pensions, your outgoings and credit issues (if any) and your borrowings.
Transaction Data: includes details about payments to and from you and other details of products and services you have purchased from us.
Technical Data: includes internet protocol (IP) address, your login data, browser type and version, type of device used.
Profile Data: includes your username and password, purchases or orders made by you, communication preferences, feedback and survey responses.
Usage Data: includes information about how you use our website, products and services.
Marketing and Communications Data: includes your preferences in receiving marketing from us and our third parties and your communication preference.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.

We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.

If you fail to provide personal data

Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with the services). In this case, we may have to cancel a product or service you have with us, but we will notify you if this is the case at the time.

How we collect your data

We use different methods to collect data from and about you including:

Direct interactions: You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
- apply for our products or services;
- create an account on our website;
- subscribe to our service or publications;
- enter a promotion, competition or survey; or
- request marketing to be sent to you.
Automated technologies or interactions: As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. Please see our cookie policy for further details.
Third parties or publicly available sources: We will receive personal data about you from various third parties and public sources, for example, analytics providers such as Google based outside the UK and credit reference agencies, such as Experian.

How we use your data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

Where we need to perform the contract, we are about to enter into or have entered into with you.
Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
Where we need to comply with a legal obligation.

Generally, we do not rely on consent as a legal basis for processing your personal data although we will get your consent before sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.

Purposes for processing your personal data

Below is a description of the ways we intend to use your personal data and the legal grounds on which we will process such data. We have also explained what our legitimate interests are, where relevant, but these may change depending on the service that we provide.

We need your name and contact details to register you for our services.
We need your contact information to add you to our newsletter and for other marketing purposes, where you have indicated your consent by ticking the appropriate tick box.
We need your contact details to recommend brokers to you, for the purposes of performing our contract with you.

Purpose / activity	Type of data	Lawful basis for processing
To register you as a new customer	Identity Contact	Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests to keep our records updated and to study how customers use our products/services
To manage our relationship with you which will include: Notifying you about changes to our terms or privacy policy Asking you to leave a review or take a survey contact you about similar products and services	Identity Contact Profile Marketing and Communications	Performance of a contract with you Necessary to comply with a legal obligation Necessary for our legitimate interests to keep our records updated and to study how customers use our products/services
To make an introduction to a mortgage broker for the purpose of offering you a mortgage product.	Identity Contact	Performance of a contract with you
To deliver relevant content and advertisements to you and measure and understand the effectiveness of our advertising	Identity Contact Profile Usage Marketing and Communications Technical	Necessary for our legitimate interests to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy
To enable you to partake in a promotion, prize draw, competition or complete a survey	Identity Contact Profile Usage Marketing and Communications	Performance of a contract with you Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business)
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences	Technical Usage	Necessary for our legitimate interests to define types of customers for our products and services, to keep our site updated and relevant, to develop our business and to inform our marketing strategy
To make suggestions and recommendations to you about goods or services that may be of interest to you	Identity Contact Technical Usage Profile	Necessary for our legitimate interests to develop our products/services and grow our business
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)	Identity Contact Technical	Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) Necessary to comply with a legal obligation
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you	Identity Contact Profile Usage Marketing and Communications Technical	Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)

Promotional offers

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).

You will receive marketing communications if you have requested information from us or purchased services from us and you have not opted out of receiving that marketing.

We will get your express opt-in consent before we share your personal data with any third party for marketing purposes. Please note this is not the same as sharing your data with brokers for the purposes of fulfilling our contract with you.

You can ask us or third parties to stop sending you marketing messages at any time. If you wish to opt out of receiving postal communications, please contact us. If you wish to opt out of email communications, please use the 'Unsubscribe', 'Unsubscribe from this list' or 'Manage Your Email Subscriptions' links provided at the bottom of each email and follow the instructions.

Affiliate Marketing

Where you have consented to using your details for marketing purposes, we will share your information with our trusted affiliates and partners, procure and use a third-party marketing list, or engage an affiliate or partner to carry out direct marketing on our behalf.

In accordance with the e-Privacy Regulation and the UK GDPR, while procuring any of these kinds of services from a third party we will have adequate measures in place to ensure compliance with those Regulations.

You can set your browser to refuse all or some browser cookies or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly. For more information about the cookies we use, please see our Cookie Policy.

Change of purpose

We will only use your personal data for the purposes for which we collected it unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

Disclosure of your data

We will ensure that your personal information is not disclosed to unauthorised third parties, including family members, friends, government bodies, and in certain circumstances, the Police. Data protection legislation does however permit certain disclosures without consent when the information is requested for one or more of the following purposes:

To safeguard national security
Prevention or detection of crime including the apprehension or prosecution of offenders
Assessment or collection of tax duty
Discharge of regulatory functions (includes health, safety and welfare of persons at work)
To prevent serious harm to a third party
To protect the vital interests of the individual, this refers to life and death situations

We may also share your data with external third parties such as:

Service providers who provide IT and system administration services.
Professional advisers including lawyers, bankers, auditors and insurer who provide consultancy, banking, legal, insurance and accounting services.
HM Revenue & Customs, regulators and other authorities, who require reporting of processing activities in certain circumstances.

All requests to provide personal data for one of the above reasons will be specifically authorised by our data privacy manager. We require all third parties to respect the security of your personal data and to treat it in accordance with the law.

International transfers

Our contact centre is based in South Africa, however the dialler and all data shall be hosted in the UK. If any disclosures of personal data mean that your personal data will be transferred outside of the UK, we will only make that transfer in accordance with our obligations under applicable data protection laws.

Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Data retention

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation with respect to our relationship with you.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

By law, we have to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for seven years after they cease being customers for tax purposes.

In some circumstances, we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

Glossary

Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.
Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
Comply with a legal obligation means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to.
External Third Parties means:
- Service providers acting as processors who provide IT and system administration services.
- Professional advisers acting as processors or joint controllers including lawyers, bankers, auditors and insurers based in the United Kingdom who provide consultancy, banking, legal, insurance and accounting services.
- HM Revenue & Customs, regulators and other authorities acting as processors or joint controllers based in the United Kingdom who require reporting of processing activities in certain circumstances.
- Google Analytics to analyse how users interact with our site and marketing communications. We collect, store and analyse this information for the purpose of providing the best service and improvements to all our subscribers. We do not provide the results to any Third Party.
- Suppliers - We use a number of service providers to support our business. They may have access to our systems and data so that they can provide services to us and/or to you.
- Resellers, distributors and agents - We sometimes use organisations to help provide our products and services to you. They'll have access to your data so that they can do this.
- Credit Reporting Companies - We use a number of companies that can provide us with a credit score that will be used in most lending decisions. Those companies include but are not limited to, Experian, Trans Union and Equifax.
- Any partners or businesses who wish to contact you in order to present their business offerings.

Your legal rights

You have the right to:

Request access to your personal data (commonly known as a "data subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us to continue to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object to where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:
- If you want us to establish the data's accuracy; Where our use of the data is unlawful but you do not want us to erase it; Where you need us to hold the data if we no longer require it as you need it to establish, exercise or defend legal claims; You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

Cookie policy

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.

We use the following cookies:

Strictly necessary cookies: These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
Analytical or performance cookies: These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies: These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
Targeting cookies: These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Cookie name	Purpose	Cookie expiry period
Session cookie	These cookies expire and are deleted at the end of a browser session, that is, from when you open the browser to when you exit it. They allow us to link the actions of a user during a single browser session to allow you to use the website most efficiently. For example, to remember that you placed items in an online shopping basket. They could also be used for security when you are accessing internet banking or to facilitate the use of webmail. These cookies are not stored beyond the browser session.	End of the session
Persistent cookies	This cookie is stored on the user's terminal equipment between browsing sessions, until it reaches a defined expiration date. They therefore enable the website to "recognise" you on your return, to remember your preferences and to tailor services to you. They may also be used to track your browsing activity across different websites and to build up a detailed profile of their browsing behaviour for use in targeted advertising.	1 year
Third-party cookies	These cookies are planted by parties, other than the website operator (as defined by the URL placed in the address bar of the browser). It usually happens when the website incorporates images, social media plugins or advertising from other sites, as these can set cookies as well. Although the browser and some third-party 'security' utilities allow you to switch them off, the Site will cease to work correctly if this happens. You may at any time exercise your right to have these cookies removed by either clearing the cookies from your browser or using the "Privacy mode" in your browser to erase them automatically, if you choose to. You should be aware that, as the Site depends on some of these cookies to function correctly, choosing to erase these will stop the site from functioning, and you will be required to accept this notice again before proceeding. By accepting this notice, you consent to the storage and use of the cookies described above on your browsing device, and you acknowledge that you may revoke your consent at any time using the method outlined above.	Please refer to the relevant party's Cookie Policy
Google	These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily. They start with or contain Start with or contain: _ga_ _gac_ _gat_ _gcl_ _gid	Read more
Matomo analytics	These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily. They start with or contain Start with or contain: _pk_ref _pk_cvar _pk_id _pk_ses	Read more
Marketing cookies	We use various marketing cookies such as Facebook, Taboola and Outbrain. These cookies store information about your preferences, and so allow us to customise our site and to provide you with offers that are targeted to your individual interests. They also allow you to use our site in a way that makes your browsing experience more convenient.	Please refer to the relevant party's Cookie Policy
Datadog	These cookies are used for error reporting and user tracking. They allow us to see when users are experiencing errors across the site and retrace the journey they took. They start with or contain: _dd_s _dd_	Read more

Please note that third parties may also use cookies, over which we have no control. These third parties may include, for example, advertising networks and providers of external services like web traffic analysis services. These third-party cookies are likely to be analytical cookies or performance cookies or targeting cookies.

To deactivate the use of third-party advertising cookies, you may visit the consumer page to manage the use of these types of cookies or contact us. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website.