Privacy Policy

Last updated: 1 April 2025

1. Who We Are

OneKey Mortgages is a mortgage and protection brokerage operating in the United Kingdom. Our registered trading address is in Northampton, England. Our contact email is team@onekeymortgages.co.uk and our phone number is 01604 434647.

We are committed to protecting your personal data and operating in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. What Data We Collect

We may collect and process the following personal data about you:

Identity Data: first name, last name
Contact Data: email address, telephone number, postal address
Financial Data: income information, property values, outstanding debts (provided voluntarily as part of your mortgage enquiry)
Technical Data: IP address, browser type, operating system, pages viewed (collected via cookies)
Communications Data: your preferences for receiving communications and any correspondence with us

3. How We Use Your Data

We use your personal data for the following purposes:

To respond to your mortgage or protection enquiry and provide advice
To process your mortgage application and liaise with lenders on your behalf
To comply with our legal and regulatory obligations as a financial services firm
To send you relevant updates, reminders, or information about products that may be of interest (where you have consented)
To improve our website and services using anonymised analytics data

Our legal bases for processing include: your consent, the performance of a contract, compliance with a legal obligation, and our legitimate interests in operating our business.

4. How We Share Your Data

We may share your personal data with:

Mortgage lenders and insurers — to obtain quotes or submit applications on your behalf
Credit reference agencies — to carry out creditworthiness checks where required
Regulatory bodies — such as the Financial Conduct Authority (FCA) where required by law
IT and technology service providers — who assist us in running our website and business systems, bound by data processing agreements

We do not sell your personal data to third parties.

5. Data Retention

We retain your personal data for as long as is necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements. In line with FCA guidance, client records are generally retained for a minimum of six years.

6. Your Rights

Under UK GDPR, you have the following rights regarding your personal data:

Right of access — to request a copy of the data we hold about you
Right to rectification — to request correction of inaccurate data
Right to erasure — to request deletion of your data (subject to legal obligations)
Right to restrict processing — to request that we limit how we use your data
Right to data portability — to receive your data in a structured, machine-readable format
Right to object — to object to processing based on legitimate interests or for direct marketing

To exercise any of these rights, please contact us at team@onekeymortgages.co.uk. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at ico.org.uk.

7. Cookies

Our website uses cookies to enhance your browsing experience and analyse site traffic. Please see our Cookie Policy for full details of how we use cookies and how you can manage them.

8. Security

We take the security of your personal data seriously and have implemented appropriate technical and organisational measures to protect it against unauthorised access, loss, or destruction. All data transmitted via our website is encrypted using SSL/TLS.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any material changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us at team@onekeymortgages.co.uk or call us on 01604 434647.