Last updated: 6 October 2026

1. Who we are

My Simple Mortgage Ltd, trading as My Simple Mortgage ("we", "us" or "our"), provides mortgage advice and related services. We are responsible as a controller for the personal information we collect and use for our own business purposes. This statement explains how we handle information when you visit www.mysimplemortgage.co.uk, contact us or use our services.

Company number: 09275345. Registered office: The Mount, Etruria Road, Newcastle-under-Lyme, Staffordshire, ST5 0SU. ICO data protection registration number: ZA098394. FCA reference number: 682703.

My Simple Mortgage Ltd T/A My Simple Mortgage is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.

For questions about this statement or to exercise your data protection rights, write to the Privacy Contact, My Simple Mortgage Ltd, at our registered office above, or contact us through the contact facility on our website. Please do not submit sensitive documents through a general website enquiry form; ask us for a secure method.

2. Information we collect

Depending on your enquiry and the service you use, we may collect:

• Identity and contact details, including your name, date of birth, address history, email address, telephone number and identification documents.

• Information needed to assess your mortgage needs, including employment, income, expenditure, dependants, assets, liabilities, deposit, property details, existing mortgages, bank statements and credit history.

• Information about your application, our recommendations, products arranged, fees and correspondence with you and other organisations involved in your case.

• Relevant health or support needs where you choose to tell us or where these are needed for an insurance application or to provide appropriate support. We limit collection to what is necessary.

• Website information, such as IP address, browser and device information, pages visited, referral source and interactions with our website, subject to the cookie choices described in our Cookie Policy.

• Your preferences and records of consent or objections to marketing.

We obtain information directly from you, from a joint applicant or authorised representative, and where relevant from introducers, lenders, insurers, our network, credit reference and fraud prevention agencies and other organisations involved in providing the service. If you give us information about another person, please make sure they know about this statement.

3. Why we use information and our lawful bases

Purpose & Lawful basis

Respond to enquiries, assess your needs, give advice and arrange or administer services you request.
Taking steps at your request before a contract and performing our contract with you.

Meet applicable legal and regulatory duties, maintain required records and deal with regulatory requests.
Compliance with a legal obligation where that duty applies to us. Network oversight and contractual compliance may instead be based on our legitimate interests.

Prevent fraud, protect systems, manage complaints and legal claims, and monitor and improve service quality.
Our legitimate interests in operating a secure, responsible business, balanced against your rights; legal obligation where applicable.

Send optional promotional emails, texts or WhatsApp messages.
Your consent. You may withdraw it at any time. Service messages about your enquiry or case are handled separately.

Use optional website analytics, advertising measurement or personalised advertising technologies.
Your consent under our website settings. Our proposed website configuration requires consent for optional analytics and advertising.

Where we need special category information, such as health data, we must have both a lawful basis and an additional condition under data protection law. We will normally ask for explicit consent when collecting such information for an insurance application or optional support. If a different permitted condition applies, we will explain it when collecting the information. You may withdraw consent, although this may affect a service that depends on that information.

Where necessary information is required by law or to provide the service, we will explain this. If you do not provide it, we may be unable to advise you or progress an application.

4. Who we share information with

We share relevant information only where needed for the purposes described above, including with:

• Stonebridge Mortgage Solutions Ltd, our principal network, for supervision, compliance, administration, audit and complaints handling.

• Lenders, insurers and product providers involved in assessing, arranging or administering your application.

• Credit reference, identity verification and fraud prevention organisations where needed. Before a credit search, we or the relevant provider will explain the type of search and its possible effect on your credit file.

• Conveyancers, solicitors, surveyors, valuers and other professionals where required for your transaction or a referral you request.

• Suppliers supporting our website, hosting, customer relationship management, secure document handling, email, messaging and other business systems, acting under appropriate arrangements.

• Our professional advisers, regulators, law enforcement bodies and courts where necessary or legally required.

Some organisations, including lenders, insurers and Stonebridge, may act as separate controllers and provide their own privacy notices. Sharing information to progress your application does not itself give another organisation permission to send you marketing.

5. Google, website measurement and advertising

Where enabled and where you consent, we use Google services such as Google Analytics and Google Ads to understand website use, measure enquiries or other conversions from advertisements and, where separately enabled and agreed, personalise ads. Information may be shared with Google, including online identifiers, IP address, device and browser information, pages visited and interactions with our website and advertisements. The exact features in use are described in our cookie settings.

You can refuse optional tracking or change your choice through Cookie settings. Read how Google uses information at https://business.safety.google/privacy/ and Google’s Privacy Policy at https://policies.google.com/privacy. We do not need your mortgage documents, health information or detailed financial circumstances for website advertising measurement.

6. WhatsApp and external services

If you choose to contact us through WhatsApp, your telephone number, profile information and messages are processed to deal with your enquiry. WhatsApp also processes information under its own privacy policy: https://www.whatsapp.com/legal/privacy-policy. Please use the secure document route we provide for sensitive financial or identity documents.

If you choose to use an external application or Open Banking service, including a service reached through an Apply24 link, you will receive the relevant provider’s privacy information and any required authorisation request. Information made available to us through that service will be used for the purposes explained to you, such as assessing affordability and supporting your application. This website statement does not replace those providers’ notices.

7. Marketing choices

You do not have to agree to marketing to use our mortgage services. Optional marketing consent is collected separately from an enquiry or application. You can unsubscribe using the link in an email, follow the opt-out instructions in a message or contact us. We may keep a limited suppression record so that we continue to respect your choice. We may still contact you with necessary updates about an enquiry, application or existing service.

8. Transfers outside the UK

Some suppliers or their support teams may process information outside the UK. Where a restricted transfer occurs, we use an appropriate legal safeguard, such as a UK adequacy regulation or approved contractual safeguards, together with any required assessment and supplementary protection. Contact us for information about the safeguards relevant to your data and how to obtain a copy.

9. Keeping information secure and retaining it

We use appropriate technical and organisational measures to protect information, including access controls and secure systems. No online service can guarantee absolute security.

We retain information only for as long as needed for the purpose for which it was collected, taking account of legal and regulatory requirements, Stonebridge’s applicable recordkeeping requirements, complaints and potential legal claims. The period depends on the record: advice and application records may need to be kept longer than a general enquiry; marketing consent and suppression records are kept as needed to evidence and respect your choices; website tracking lifetimes are set out in our cookie settings. We review retention and securely delete or anonymise information when it is no longer needed. Contact us for the retention period applicable to your records.

10. Your rights

Depending on the circumstances, you may ask to access your information, correct inaccurate information, erase it, restrict processing, or receive or transfer certain information in a portable format. You may object to processing based on legitimate interests and have an unconditional right to object to direct marketing. Where processing depends on consent, you can withdraw it without affecting processing already carried out lawfully.

You also have rights and safeguards in relation to significant decisions made solely by automated means. If an automated assessment or decision is used in your application, the responsible organisation will explain it and the applicable rights and safeguards. Lenders make their own lending decisions; ask us if you need help identifying the relevant provider.

Contact us using the details above to make a request. We may need to verify your identity. Requests are normally free and answered within one month, subject to lawful extensions or exceptions. Some rights do not apply where records must be retained or processing is otherwise required by law.

You may complain to the Information Commissioner’s Office at https://ico.org.uk/make-a-complaint/ or by calling 0303 123 1113. You do not need to complain to us first, although we welcome the opportunity to resolve your concern.

11. Changes to this statement

We may update this statement to reflect changes in our services or legal requirements. The latest version and its update date will be published on this page. We will bring significant changes to your attention where appropriate.