Mortgage Comparisons

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USE OF WEBSITE, TERMS AND PRIVACY



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PERSONAL DETAILS AND DATA PRIVACY

Your privacy is important to us; we have a strict confidentiality policy and don't share your contact details with others not involved in your mortgage enquiry.

The personal details which you submit to us (Personal Data) are held by Hidden Mortgages for its own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. Hidden Mortgages may use the Personal Data for the purposes they have notified to the Information Commissioner's Office. By submitting your Personal Data you consent to it being processed by Hidden Mortgages.

Information About How Our Website Works
Like most websites, our site uses cookies. A cookie is a small file of letters and numbers that we put on your computer if you agree. These cookies allow us to distinguish you from other users of the website which helps us to provide you with a good experience when you browse our site and also helps us to improve our site.

The cookies we use are analytical cookies. They allow us to recognise and count the number of visitors and to see how visitors move around the site when they're using it. This helps us to improve the way our website works, for example by making sure users are finding what they need easily.

These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve user experience. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

Cookie Policy

By accessing and using this website you are agreeing to the terms of this policy and our privacy policy. Please read this cookie policy and our privacy policy so you understand how we use your information.

What are cookies?

Cookies are small files of letters and numbers. These files are either stored in the memory of your computer or other device such as mobile phones or tablet devices (these cookies are generally known as session cookies) or are placed on the hard drive of your device (generally known as persistent cookies).
Cookies are created when you visit a website that uses cookies. Cookies are commonly used by websites to help the userís browsing experience and provide more information about the userís experience and interests. This information is generally used to make content and services more relevant. For more details about cookies and details of how to delete and disable cookies you can visit www.aboutcookies.org and also see our section on more information and turning cookies off below.

How do we use cookies?

Our website uses cookies to help provide you with a good experience and also allows us to improve our website and our services. The cookies that we use only collect anonymous information to optimise our services, and do not collect personal information. Please note that not all the cookies on our sites are set by us. Please see the section below on third party cookies.

What cookies do we use?

The cookies on our websites generally fall into the category of functional and analytical cookies

Functional and analytical cookies

Analytical cookies

Analytical cookies allow us to recognise and to count the number of visitors to our website, to see how visitors move around the website when they are using it and to record which content viewers view and are interested in This helps us to improve the service which we offer to you by helping us make sure our users are finding the information they are looking for.

Functional cookies

Functional cookies relate to the functionality of our websites and allow us to improve the service we offer, for example: by allowing you to carry information across pages of our website to avoid you having to re-enter information. by enabling us to serve the appropriate regionalised service relevant to you.

What functional and analytical cookies do we use?

We have set out below the main functional and analytical cookies that we use. We use cookies which are operated on our behalf by the organisations listed below to help us deliver our services

Organisation setting the cookie

Name of Cookie

What does it do

Cookie Expiration

Google Analytics

_utma
This cookie helps us determine the number of unique visitors to our website
730 days (two years)
Google Analytics

_utmz
This cookie helps us determine the referral method for people visiting our website. This helps us to analyse the traffic arriving at our website and to determine which are the most popular routes (e.g. direct, search engine search, email link).
182 days (six months)
Google Analytics

_utmb
We use this Google Analytics cookie to help us to record the length of individual sessions from our users on our website. Each time you move to a new page within our website within 30 minutes of arriving the cookie updates so that we know that you are still actively using our website within a single session.
Less than one day (when you close the browser window)
Google Analytics

_utmc
Similar to _utmb, we use this Google Analytics cookie to help us record the length of individual sessions on our website.
1825 days (five years)

How do I turn cookies off or delete cookies?

You can block most cookies (except for Flash cookies) by activating the setting on your browser that allows you to refuse the setting of all or some cookies. 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 sites, or you may experience reduced functionality when accessing certain services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit our website.

Cookies for advertising

We have implemented and using Google Display Advertising, so we can implement Google Remarketing to advertise online. Third-party vendors, including Google, show our ads on sites across the internet. We and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimise, and serve ads based on your past visits to this website. We have enabled Google Analytics to collect data about our traffic using the DoubleClick cookie. This logs when users view specific pages, allowing us to provide targeted advertising in the future. This is in addition to data collected through standard Google Analytics. You can opt-out of Google Analytics for Display Advertising and customise Google Display Network ads using the Ads Preferences Manager (opens in new window).

Data Protection
I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Hidden Mortgages ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent financial service which may be granted to me/us.

I/we agree that You and any advisor resulting from this application (the "advisor") shall be entitled to use and process, by any medium, the information given by me/us in this enquiry form and any other information about me/us which may be acquired during the lifetime of any enquiry ("the Data") for the following purposes:-

i. to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any financial service granted to me/us by the advisor, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the advisor will record false or inaccurate information if this is given by me/us and fraud is suspected.

ii. To disclose the Data to credit reference agencies when requested by them for consideration of any future applications for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other advisors for these purposes)

iii. to disclose the Data to any other company within the advisor's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent financial service whether during the course of my/our application or during the lifetime of any financial service granted pursuant to such application;

iv. to disclose the Data to any third party who replaces or who may replace my/our advisor.

Prevention Of Money Laundering
The advisor and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.

Right Of Subject Access
Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee not exceeding £10. Please write to Robert Brady, Hidden Mortgages, Green View, Brook End Road North, Chelmsford, Essex CM2 6NW.

TRANSPARENCY

The Hidden Mortgages Mortgage Comparisons Site is operated by LeadFair Ltd. This independently owned website acts as an advertising and marketing vehicle to attract passive mortgage enquiries (from people that are proactively searching for mortgages using search engines or directories on the internet) and pass on such enquiries for a fee (but free to the searcher) to financial services providers. We only pass enquiries to experienced, qualified mortgage advisers who are authorised and registered with the Financial Conduct Authority (FCA). Your enquiry will go to Baker Financial 101 Sinderland Road, Altrincham, Cheshire WA14 5JJ. Baker Financial is a trading style of Carl Baker who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

Responsibility rests with the financial services providers to comply with the relevant regulating authorities (FCA). Information on this site does not constitute regulated financial advice and is intended only to provide general financial information. The operators of this website are unable to offer financial advice, you should always consult an Independent Financial Adviser (IFA) before making any financial decision. Advice given to you by a 3rd party adviser does not represent advice from LeadFair. It is your decision whether or not you act on any advice given.

Any information contained on the Hidden Mortgages Mortgage Comparisons Site does not form the basis of any contract. A mortgage enquiry from this website does not constitute an offer to provide a mortgage.

Business or financial decisions should not be based solely on the information contained within this website. Hidden Mortgages Mortgage Comparisons UK is not responsible or liable for any financial service obtained through a 3rd party.

Please note that this site promotes commercial property mortgages and some buy-to-let and let to buy mortgages that are not regulated by the FCA (Financial Conduct Authority). However, some buy-to-let mortgages are regulated, for instance when the tenant is a relative or dependant of the borrower.

USE OF SERVICE AND SITE


Use of the Hidden Mortgages Mortgage Comparisons ("we", "us", "hiddenmortgages.co.uk") website ("the site") constitutes acceptance of the Hidden Mortgages Mortgage Comparisons Site User Agreement ("the agreement") and Terms and Conditions of Use ("terms"). This is our standard terms upon which we intend to rely. For your own benefit and protection you should read these terms carefully. If you don't understand any point please ask for further information.

If you don't agree to all the terms and conditions on this page, please don't use this website. Use of any internal or external links on the Hidden Mortgages Mortgage Comparisons Site constitutes acceptance of the terms on this page. If you don't agree with these terms, please exit this site by closing the browser window.

The terms "Hidden Mortgages", "Hidden Mortgages Mortgage Comparisons", "hiddenmortgages.co.uk" encompass the Hidden Mortgages Mortgage Comparisons Internet Site and Communications.

GOVERNING LAW

Any such contract will be interpreted, construed and enforced in all respects in accordance with the laws of England, and you and Hidden Mortgages Mortgage Comparisons irrevocably submit to the non-exclusive jurisdiction of the English Courts.

This agreement is governed by English law and all disputes will be handled solely in the United Kingdom. English Courts will have jurisdiction in respect of it. You consent to such venue and jurisdiction. The Hidden Mortgages Mortgage Comparisons site is controlled and operated from offices in the United Kingdom and makes no representations or warranties that its content or use is legal in other locations.

AVAILABILITY OF SERVICE

Any guidance contained within the Hidden Mortgages Mortgage Comparisons website is subject to the UK Financial Conduct Authority regulatory regime and is therefore restricted to consumers based in the UK. We don't warrant or guarantee that the Hidden Mortgages Mortgage Comparisons Site will be uninterrupted or error-free.

YOU DO NOT PAY A FEE

There is no charge for enquiring about a mortgage and you are under no obligation to follow any recommendations that are made. By using a broker's service you will get advice that is paid for by the mortgage company. You won't have to pay them a fee as your broker will receive a commission payment direct from the recommended mortgage company. Your financial adviser's costs are already factored into the income that you are offered by the mortgage provider. Commission is paid but this can be refunded should you wish to pay via a fee.

To reiterate, if you buy a mortgage, the mortgage broker will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean the service is free. You still pay indirectly through product charges. Product charges pay for the product providers own costs and any commission. If you buy direct, the product charges could be the same as when buying through a financial adviser, or they could be higher or lower. Your mortgage broker will tell you how much the commission will be before you commit to a mortgage, but you may ask for this information earlier.

LINKS AND SITE CONTENT

We don't make any warrant or guarantee, either expressed or implied as to the accuracy, validity, completeness, suitability, reliability, or currency of any information content within the Hidden Mortgages Mortgage Comparisons site or sites to which it is linked to. Links to other websites are provided solely as a resource guide and don't represent an endorsement or guarantee, either expressed or implied. The Hidden Mortgages Mortgage Comparisons Site does not assume any liability for any of the products, services, or data of any other sites. It is the responsibility of the user to evaluate the information, opinion, advice, or other content contained within the site. We cannot be held responsible or liable for any loss or damage due to reliance on information obtained through the Hidden Mortgages Mortgage Comparisons Site.

INDEMNITY

In order to use this site you must agree to be legally bound and to abide by the terms and to indemnify and hold the operators of the Hidden Mortgages Mortgage Comparisons Site harmless from all alleged or actual damages, claims and expenses relating to any warrant, guarantee or representations made by the individual service providers featured within this website or linked websites. This also includes, without limitation, lawyer's fees. The use of the Hidden Mortgages Mortgage Comparisons site for any reason is deemed to be an agreement of this condition.

DISCLAIMERS

Bearing in mind that this is a free "public access" site, it is a condition of use of the site and the materials in it that use is at the user's own risk. We give no representation or warranty as to the accuracy of the content of the site and assume no responsibility for errors or omissions in it. Neither Hidden Mortgages Mortgage Comparisons nor any of the site's administrators, editors or contributors shall be liable for any loss or damages suffered as a result of any use of the site, including but not limited to direct loss, consequential loss and loss of profits.

Hidden Mortgages Mortgage Comparisons is provided on an "as is" and "as available" basis. We shall not be liable for any direct, indirect, incidental, special, or consequential damages. This includes, without limitation and even if we are advised of the possibility thereof, any damages for loss of goodwill or any and all other commercial damages or losses including loss of profit, that result from the use of, or inability to use Hidden Mortgages Mortgage Comparisons.

The user agrees not to rely on any information obtained from the Hidden Mortgages Mortgage Comparisons Site and indemnifies us from mistakes, interruptions, delays of service or performance, defects, harmful components, viruses and bugs, howsoever caused. It is the user's duty to execute anti-contamination or virus software and ensure that any information, if contaminated or infected, won't damage the user's information or system. Personal information sent to Hidden Mortgages Mortgage Comparisons UK is at the senders own risk.

SEVERANCE

If a term, covenant, provision, or condition of this agreement becomes, or shall be held by any court of competent jurisdiction to be against public policy or illegal, all remaining provisions of this agreement shall remain in full force and effect and unaffected, impaired or invalidated by this decision. The invalidated item shall be modified by the parties to the full extent possible to carry out all the intentions and directives stated in this agreement.

VARIATION

Whilst it is not our intention to do so, the operators of the Hidden Mortgages Mortgage Comparisons Site reserves the right to change its policies and terms at any time. Any such changes will be posted on this page.

We don't assume, and therefore disclaim, any liability for any loss or damage caused by errors or omissions.

If you don't agree to all the terms and conditions on this page, please don't use this website. Use of any internal or external links on the Hidden Mortgages Mortgage Comparisons Site constitutes acceptance of the terms on this page. If you don't agree with these terms, please exit the Hidden Mortgages Mortgage Comparisons Site by closing the browser window.

COPYRIGHT NOTICE

Design: Luka Cvrk, Framework: Concept Nova. The Hidden Mortgages Mortgage Comparisons website is not associated with other companies or websites who own or trade under similar sounding names or with similar design. © Content Copyrighted.

HEADINGS

Headings are for reading convenience only and are not to be used in the interpretation of this agreement.

CONTACT INFORMATION


Please address all queries through our contact form below. Only the trained financial advisers themselves can offer support. We do hope you understand that we cannot offer phone assistance before your enquiry is allocated to a financial adviser. You will, of course, receive a phone call from your personal adviser as soon as possible.

Please click here for webmaster contact.

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WHY USE A MORTGAGE BROKER TO FIND YOUR MORTGAGE OR REMORTGAGE



Expert financial advisers will help you avoid making a costly mistake when comparing mortgages.

They have access to specialist and exclusive deals with some of the most competitive rates available. You may be able to save £100's each month if you can secure a lower rate mortgage.

Unlike many companies, your broker will be able to advise on the whole of the UK mortgage market - that's over 200 lenders.

Our buying power enables us to provide competitive rates on many "hidden" mortgage products that you cannot get yourself by going directly to the lender.

Our brokers provide a mortgage comparisons service for both homeowners and 1st time buyers.

Before you enquire, let's start with the basics...

mortgages1. Where am I?
Hidden Mortgages is an independent website designed with the aim of helping you find the best mortgage rates and most suitable mortgage for your circumstances.

mortgages2. What can I do here?
Contact a professional for FREE to ask for help in finding the most suitable mortgage. Your adviser will provide up-to-date rates on many "hidden" mortgage products that you cannot get access to by going directly to lenders.

mortgages3. Why should I do it?
They will answer your questions and supply FREE one-to-one mortgage comparisons from the whole of the market - that's over 200 different lenders.

mortgages4. Do it now
Complete the very short form below to ask a question or request contact. An FCA registered mortgage adviser (not a call centre) will help you with your decision as to which mortgage is best.

Your enquiry is ABSOLUTELY FREE with NO-OBLIGATION TO PROCEED - in fact your adviser may even advise you to stick with your current mortgage, if you already have one.

QUICK START: ONE-STEP MORTGAGE COMPARISON ENQUIRY


NO-OBLIGATION. Contact a mortgage professional now and discover how much can you save. Expert financial advisers will help you avoid making mistakes when comparing mortgages, remortgages or secured loans...

USE OUR FREE, EASY AND SUPER-FAST ENQUIRY

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We take your privacy seriously and your details will never be passed on to anyone other than the people involved directly with your mortgage comparisons.