Last updated: December 2025
At K and H Mortgages, we take your privacy seriously. This policy explains what personal information we collect, how we use it, and the rights you have. We keep things clear and simple, because your trust matters to us.
If you have any questions, just get in touch – we’re always happy to help.
1. Who we are
K & H Mortgages
Authorised and regulated by the Financial Conduct Authority (FCA).
Registered address: 4 Aldenham Park, Kingswood, Hull HU7 3JP
Contact email: helen@kandhmortgages.co.uk
2. The information we collect
We may collect personal information when you:
Contact us by phone, email, or through our website
Make an enquiry about a mortgage or protection product
Use our services
Provide documents during the mortgage application process
This can include:
Personal details
Name, address, date of birth, contact details.
Financial information
Income, outgoings, credit history, bank statements, payslips, tax returns (if self-employed).
Property Information
Details about the home you want to buy, sell, or remortgage.
Identification documents
(As required by law) such as ID, proof of address, and anti-money-laundering checks.
Technical information
Basic website usage data, such as IP address or pages visited, collected through cookies.
3. How we use your information
We use your information to:
Provide mortgage and protection advice
Prepare and submit mortgage applications
Run affordability and eligibility checks
Meet our legal and regulatory obligations
Keep records required by the FCA and anti-money-laundering laws
Improve our services and website
Contact you with updates about your enquiry or application
We will never sell your information or share it with anyone for marketing purposes.
4. Who we share our information with
Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details.
We may share your information with:
Mortgage lenders
Insurance providers
Solicitors or conveyancers (with your consent)
Credit reference agencies
Regulatory bodies such as the FCA
Our compliance network: Stonebridge Mortgage Solutions
Professional IT providers who support our systems
Everyone we work with is required to keep your information secure.
5. Legal basis for using your information
We process your data under the following lawful bases:
Contract: to provide advice or arrange a mortgage for you
Legal obligation: to meet FCA, AML, and record-keeping requirements
Consent: where you agree to receive communications from us
Legitimate interest: to run our business safely and effectively
6. How we store your information
We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing your data. To do this, please contact helen@kandhmortgages.co.uk
7. Your rights
You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at compliance@sdlgroup.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk
8. Cookies
Our website uses cookies to improve your browsing experience. You can control cookie settings in your browser at any time.
9. Third-Party Links
Our website may contain links to other websites. We’re not responsible for the privacy practices of those sites, so we encourage you to read their policies too.
10. Changes to this policy
We may update this policy from time to time. Any changes will be posted on this page with a revised date at the top.
11. Contact us
If you have any questions about this policy or how we use your data, please contact us:
K & H Mortgages
Email: helen@kandhmortgages.co.uk
We’re always happy to help and want you to feel completely comfortable with how your information is handled.
If you’re looking for advisers who genuinely care, who take the time to explain things, and who put people first every single time – we’d love to help.