PRIVACY POLICY

MF Financial Ltd (“we”, “us”, “our”) is committed to protecting your personal data and respecting your privacy. We provide discreet, specialist mortgage advisory services to clients with complex financial profiles, and we take data protection and confidentiality extremely seriously.

This Privacy Policy explains:

  1. What personal data we collect

  2. How we use and protect that data

  3. Your rights under the UK GDPR and Data Protection Act 2018

By using our website or engaging our services, you agree to the terms of this Privacy Policy.



Who We Are


MF Financial Ltd
An Appointed Representative of Where Can I Find a Mortgage Ltd, authorised and regulated by the Financial Conduct Authority (FCA No. 1036175).

We provide private mortgage advisory services for high-value property transactions, complex income structures, and international buyers purchasing within Prime Central London.



The Data We Collect


We only collect data that is necessary to provide mortgage advice, meet regulatory requirements, and deliver a personalised service. This includes:

a) Personal Identification Data

  1. Name

  2. Date of birth

  3. Address history

  4. Contact details

b) Financial & Professional Information

Required for mortgage assessment, including:

  1. Income details (salary, bonuses, investments, dividends)

  2. Business ownership and corporate structure

  3. Assets, liabilities, and credit information

  4. Bank statements or financial documents

c) Sensitive or Special Category Data

In rare cases, vulnerability indicators or health information may be disclosed to ensure appropriate support.

We only process this type of data with your explicit consent.

d) Website Usage Data

When you visit our website, we may collect anonymised data such as:

  1. IP address

  2. Browser type

  3. Pages viewed

  4. Cookie preferences

This helps improve site performance and user experience.



How We Use Your Data


We use your personal data for the following purposes:

a) Providing Mortgage Advice

To assess affordability, present your financial profile to lenders, and secure appropriate lending options.

b) Meeting FCA and Regulatory Obligations

To maintain compliance with:

  • FCA rules and guidance

  • Anti-money laundering (AML) regulations

  • Fraud prevention requirements

c) Client Communication

To respond to enquiries, send documentation, or update you on your application.

d) Internal Analysis & Service Improvement

To review file quality, improve client experience, and refine our advisory process.

We do not use your data for automated decision-making or profiling.



Legal Basis for Processing


We process your personal data on the following legal bases:

  • Contractual necessity – to provide mortgage advice and brokerage services

  • Legal obligation – to meet FCA, AML, and regulatory requirements

  • Legitimate interest – to operate our business safely and efficiently

  • Consent – for receiving marketing communications or processing special category data

You may withdraw consent at any time.



How We Share Your Data


We only share your data when necessary and with your knowledge.

We may share data with:

  • Mortgage lenders

  • Specialist or private banks

  • Credit reference agencies

  • Compliance and regulatory partners

  • Professional advisers (e.g., solicitors, accountants) — with your approval

We do NOT:

  • Sell your data to third parties

  • Share your information for marketing by third parties

  • Disclose confidential financial details without your explicit instruction

All partners must meet GDPR and data security standards.



International Transfers


If we work with lenders, advisers, or systems outside the UK, we ensure that:

  • Adequate safeguards (e.g., Standard Contractual Clauses) are in place

  • Transfers meet UK data protection standards



Data Retention


We retain your data only as long as necessary for:

  • Providing advice

  • Meeting FCA and AML regulatory requirements (typically 6 years)

  • Handling potential disputes or file reviews

After this period, data is securely deleted or anonymised.



Your Rights


Under UK GDPR, you have the right to:

  • Access your personal data

  • Request correction of inaccuracies

  • Request deletion (where legally permissible)

  • Restrict or object to processing

  • Request data portability

  • Withdraw consent at any time

To exercise any rights, contact us using the details below.



Data Security


We use robust physical, digital, and procedural safeguards to protect your data, including:

  • Encrypted communication channels

  • Secure storage systems

  • Access controls and authentication

  • Regular compliance audits

Your information is handled with utmost confidentiality, reflecting the sensitive nature of our clients’ financial lives.



Cookies


We use cookies to enhance website performance and analyse anonymous usage data.
For more details, please see our Cookie Policy.



Changes to This Policy


We may update this Privacy Policy occasionally to reflect regulatory changes or improvements to our service.
Updates will be posted on this page.



Contact Us


If you have questions about this policy or wish to exercise your data rights, please contact:

MF Financial Ltd
Email: es.salh@mortgagefnd.co.uk
Phone: 020 3151 0813
Address: 128 City Rd, London EC1V 2NX, UK