Privacy notice

Mortgage Mode is a trading name of Funding Street Limited, registered in England and Wales, company number 08290406, registered office 49 Greek Street, London W1D 4EG. Mortgage Mode introduces limited company borrowers to lenders and brokers for commercial and buy-to-let finance. We are not a lender and we do not provide financial advice. Commercial and buy-to-let mortgages of this type are not usually regulated by the Financial Conduct Authority.

Funding Street Limited is the data controller for the information you give us through the enquiry form and during the verification call. Write to us at the registered office above or email privacy@mortgagemode.co.uk.

• What you type into the form. Your name, phone number, email address, company name if you give one, and the details of the loan: amount, property type, loan to value, borrowing entity, charge, transaction type, country, and whether anyone connected to the borrower will occupy the property.
• Your permissions. Which of the three consent boxes you ticked, the exact wording you were shown, and when.
• The verification call. A written transcript of the call with Monty, and the answers extracted from it. The audio recording is deleted once it has been transcribed.
• Messages. The WhatsApp and text messages we send you about this enquiry, and your replies.

We do not run a credit search as part of this process and we do not ask for bank details.

• To answer your enquiry and introduce you to lenders and brokers. Our legitimate interests, and steps taken at your request before entering a contract.
• To call you with an automated assistant. Your specific consent, given through the first checkbox on the form. You can withdraw it at any time, and if you do we stop calling.
• To email and text you about this enquiry. Your consent, given through the second checkbox.
• To keep records of consent, calls and decisions. Our legal obligations and our legitimate interest in being able to show what happened.

The lending and broker partners we approach about your enquiry, and the suppliers who run the platform on our behalf: our hosting and database providers, our messaging provider, and the provider of the voice assistant. Each of them acts on our instructions under a written contract.

We do not sell your details, and we do not pass them to unrelated advertisers.

Enquiry records and call transcripts are kept for six years from your last contact with us, which matches the period in which a dispute about a financial introduction could still arise. Consent records are kept for as long as the enquiry record, because they are the evidence for it. These periods are placeholders in this draft and are subject to review.

Three ways, all of which take effect immediately:

• Reply STOP to any text or WhatsApp message.
• Tell Monty on the call.
• Email privacy@mortgagemode.co.uk.

Withdrawing consent does not undo anything we did before you withdrew it, and we keep the record of the withdrawal itself so that it can be honoured.

You can ask for a copy of what we hold, ask us to correct it, ask us to delete it, object to how we are using it, or ask for it in a portable format. Email us and we will reply within one month. If you are not satisfied you can complain to the Information Commissioner’s Office at ico.org.uk.

We grade every enquiry automatically to decide which queue it goes into. That grading does not decide whether you can borrow and it does not produce a legal effect on its own; a human adviser reviews the file and a lender makes the lending decision. You can ask us how a grade was reached.