Privacy Policy

1.  About Key Solutions Mortgages Limited and how you can contact us

Key Solutions Mortgages Limited is a private limited company registered at Companies House under the identifier 03022389.  

You can contact us in the following ways: 

Our registered address: Westwick House 

Summer Lane 

West Wick 


BS24 7TE 

Phone Number: 01934 520 777 



We are registered with the Information Commissioner, which is the UK’s independent authority set up to uphold information rights in the public interest, promoting openness by public bodies and data privacy for individuals. Our registration number is Z8889450.  

This privacy policy was last updated June 2021 

2.  The type of personal information we collect

Our business is acting as a mortgage and protection intermediary. Pursuant to the provision of this service, we may collect and process the following information: 

  • Personal identifiers, contacts and characteristics (for example, name and contact details) 
  • Your nationality and/or residence status 
  • Your dependents 
  • Your employment status, income and expenditure 
  • Your banking and credit history  
  • Your property and tenancy status and history 
  • Payment and/or direct debit information  
  • Your health, family and medical history

This list is not intended to be exhaustive. Some lenders or insurers may request case-specific information in order to determine if they are able to offer their products or services to you.  

3.  How we get the personal information and why we have it

Most of the personal information we process is provided to us directly by you for one of the following reasons: 

  • Assessing your ability to obtain secured borrowing 
  • Submitting applications for secured borrowing on your behalf 
  • Assessing your ability to obtain insurance products 
  • Submitting applications for insurance products on your behalf 

We may also receive personal information indirectly, from the following sources in the following scenarios:

  • If it is supplied by a co-applicant to a mortgage or insurance product we are arranging for you 
  • If you are referred to us by a third party 
  • If we are required to conduct checks to verify your identity in order to prevent or limit the spread of identity theft or financial crime  

We may share this information with:

  • Banks, building societies and credit providers 
  • Insurance providers 
  • TransUnion (identity checking) 
  • Providers of hosted call recording technology 
  • The Financial Conduct Authority 
  • The Financial Ombudsman Service 
  • Three60 CRM (customer relationship software) 
  • Twenty7Tec (mortgage sourcing software) 
  • iPipeline UK (protection sourcing software) 
  • UnderwriteMe (protection criteria sourcing provider) 
  • Key Retirement Group Ltd (equity release & retirement lending specialist) 
  • Sortrefer (third party conveyancing supplier) 

We may share your information with our expert partners but we will always seek your consent before doing so:

  • Nest GI Ltd (home insurance specialists) 

We may be required to share your information if we are compelled to by an act of parliament or by order of a court. 

We may also be required to share your information with the National Crime Agency if we believe there is a risk you are associated with an act of fraud or money laundering or where we have a lawful obligation to protect the public from crime or dishonesty.  

4.  Legal grounds for processing your information

Under the General Data Protection Regulation (GDPR), the lawful bases we may rely on for processing this information are as follows: 

(a) Your consent. You are able to remove your consent at any time. You can do this by contacting Processing your information with your consent could include: 

  • Where you have given us your permission to pass information on to a third-party service provider 
  • Where you have given us your permission to send you direct marketing  
  • Where you have given us your permission to publish reviews of our service 
  • Where we invite you to participate in competitions, prize draws, surveys or other market/customer research 


(b) We have a contractual obligation. This is often the lawful basis for companies to obtain data if they are providing you with a service. However, as we acting as an intermediary on your behalf and no legal contract exists between us, we do not rely upon this basis to process customer information. We may rely upon this basis in the following situations: 

  • Contracts held with suppliers 
  • Employment contracts 


(c) We have a legal obligation. We may be obliged to share your information under this lawful basis if we are compelled to by a court order or at the request of a regulatory body, such as the Financial Conduct Authority or Financial Ombudsman Service. 

(d) We have a vital interest and (e) we need it to perform a public task. In both of these instances, we might be compelled to share your data if doing so is deemed to be in the greater public interest, such as: 

  • Suspicion of money laundering and/or terrorist financing, whether committed or intended 
  • Suspicion of fraud, tax evasion or other crimes, whether committed or intended 
  • Upholding our duty to protect the public interest 


(f) Legitimate Interest. In most instances, you will share your data with us because you want us to perform certain services on your behalf. We are therefore deemed to be acting in your legitimate interest. This allows us to use your data to provide services at your request, as long as our interest in using the data does is not outweighed by your rights to privacy. In practice, this means we can only use your data in ways you could reasonably expect or where we can prove a compelling justification for processing. We rely on this lawful basis for the provision of advice to you and any subsequent applications we make on your behalf. 


How we store your personal information  

Your information is securely stored either in the United Kingdom or within the confines of the European Union under equivalent legislation. 

We keep client records as follows: 

  • If you chose to take out a financial product as a result of a recommendation we make to you, we will retain a record of the data used by us to determine suitability and affordability of said recommendations (along with a record of the interactions between us) in order to meet our regulatory obligations and assist you with any complaints that may arise. We are entitled to retain such records for the planned lifetime of the products plus a further 6 years.  
  • If you chose to take our recommendation for financial products and we submit an application on your behalf but you do not go on to become a client of the provider concerned, we are entitled to retain your records for 6 years in order to evidence our compliance with anti-money laundering and prevention of financial crime requirements.  
  • If we make a recommendation to you but you chose not to use our service in order to submit an application to the provider or providers concerned, we are entitled to retain your records for 3 years. This is to ensure we can provide sufficient evidence to our regulator to substantiate the suitability of our advice. 
  • If we engage with you regarding the provision of our service but are not able to assist you at that time we may keep your records for up to 1 year. This is done to enable us to more easily assist you if you chose to retain our services again during this time period.  

Your data protection rights 

Under data protection law, you have rights including: 


Your right of access – You have the right to ask us for copies of your personal information.  

Your right to rectification – You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.  

Your right to erasure – You have the right to ask us to erase your personal information in certain circumstances.  

Your right to restriction of processing – You have the right to ask us to restrict the processing of your personal information in certain circumstances.  

Your right to object to processing – You have the the right to object to the processing of your personal information in certain circumstances. 

Your right to data portability – You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances. 

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you. 

 Please contact us at if you wish to make a request. 

 How to complain 

If you have any concerns about our use of your personal information, you can make a complaint to us at 

You can also complain to the ICO if you are unhappy with how we have used your data. 

 The ICO’s address:             

Information Commissioner’s Office 
Wycliffe House 
Water Lane 
SK9 5AF 

Helpline number: 0303 123 1113 

ICO website: 

Handy Privacy Policy UK Advice & Articles

Whether you are buying your first home, moving house, or looking to remortgage, you’re probably wondering if a bad credit score can affect the possibility of you getting a mortgage. Well, mortgages...
At a time when it seems to be increasingly difficult to purchase a property due to increased house prices, rising interest rates and lack of available properties in certain areas of the...
Last week some of the team had the privilege and very humbling experience of visiting inHope, one of the charities we work with and have been supporting since August 2021.  inHope is...
The first time buyer mortgage market is still strong in the UK, with lenders offering up to 100% loan to value products (depending on property value and if your family are able...
You may have heard of the term ‘adverse credit’ but what actually is this? Adverse Credit Meaning This is when your credit score and credit file are affected negatively due to your...
“How long are mortgage applications taking?”, “How long after valuation to mortgage offer” and “How long does it take for a mortgage to be approved?” are questions regularly raised by excited and...
A second charge mortgage is essentially a second mortgage on your property. If you wish to release equity and money from your property you can either remortgage your current mortgage to take...
Today we are sharing our top tips on what you can do to improve your chances of successfully being approved for a mortgage and how to make the process much quicker and...
Now may be the best time to remortgage and save money on your monthly mortgage payments with interest rates remaining low. The Bank of England have held the base rate at 0.1% after...
As a business, we always want to give back and help people and causes all over the World. Whether we help you with a remortgage, a moving home mortgage, a buy-to-let mortgage,...
If you are interested in understanding how to pay off your mortgage quickly then we are here to help! There are many ways to do this – have a look below to...
We are so excited to announce that for the second year running we have been named Best Broker for Protection at the Mortgage Strategy Awards. This award recognises the UK broker that...
Whilst circumstances are going to differ from person to person, it definitely pays to discuss things with one of our mortgage and protection advisers. Here are a few general things to consider:...
Nobody likes to think about the worst happening to them or their family. At a time of loss, the last thing a family needs is the upset and stress of any financial...
IR35 is a bit of a head scratcher and with the new rules coming into force you will need to consider if IR35 applies to you. The new legislation aims to ensure...
What do John Terry, Paris Hilton, Kendall Jenner and Simon Cowell have in common? (Apart from being millionaires?!). Sadly, they have all had their homes broken into and their possessions stolen. We...
While most homeowners have a mortgage, many don’t realise that they could save money by remortgaging. Some mortgage interest rates have fallen below 1% in recent weeks and new mortgage products and...
One of the most common questions we get asked at the moment is about getting a mortgage if you have been furloughed. You may feel impacted or concerned but we are here...
You have probably seen the news but we wanted to let you know the property announcements detailed in the budget last week. Stamp Duty Holiday has been extended for 3 months! The...
Our prime consideration is the health and welfare of our gang and further to the Government directive we have now transferred all working members of Key Solutions to their home bases. We...
Statistics show that on average, people living in the UK will pay off their mortgage by the time they are 69, but do you know when your last payment will be? At...
When we say first time buyer, what comes into your head? We bet you’re thinking of someone in their early twenties who lives with Mum and Dad. Well, nowadays there’s no typical...
Yeah… you read that correctly. We are the BEST MORTGAGE BROKER IN THE UK! We were delighted to have been shortlisted for the Best Broker in the UK award at the MoneyAge...
The Help to Buy Scheme recently celebrated its 5th birthday this year!
No, it’s not elephants ruining your house, we just liked the picture!