Data Protection & Credit Checks
You need to be aware of what will happen to the personal information you provide. In considering your application Imagine Mortgages will obtain a "soft search" or "enquiry search" of your records at a credit reference agency. This search will not be seen by other companies and will not affect your credit record or score. An "application credit search" will be carried out once a lender has given us an intention to lend and will only be done after you have confirmed you wish to proceed with your loan application. The credit reference agency will add to your record details of our search and your application. This will be seen by other organisations carrying out later searches. Imagine Mortgages may use a credit scoring or other automated decision making system when assessing your application. It is therefore important that you give us totally accurate information.
Imagine Mortgages and other organisations may use and search these records to:
- help make decisions about credit and credit related services, for you and members of your household;
- help make decisions on motor, household, credit, life and other insurance proposals and insurance policies;
- trace debtors, recover debt, prevent fraud and to manage your accounts or insurance policies;
- check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity. The credit reference agency/ies and the fraud prevention agency/ies will also use the records for statistical analysis about credit, insurance and fraud.
The information you provide may be recorded with one or more credit reference agencies.
(ONLY APPLIES IF MORE THAN 1 APPLICANT) You have disclosed information about a joint applicant, and you are confirming you are entitled to do so. An "association" between joint applicants and between you and anyone you tell us is your financial partner will be created at the Credit Reference Agencies. This will link your financial records, each of which will be taken into account in all future applications by either or both of you until one of you successfully files a disassociation at the Credit Reference Agencies.
Please telephone Imagine Mortgages on: 0800 710 1777 if you want to have details of those credit reference agencies from whom Imagine Mortgages obtain information and with whom Imagine Mortgages record information about you. You have a legal right to these details. You have a right, on payment of a fee, to receive a copy of the information Imagine Mortgages hold about you if you apply to us in writing. The Data Controller is Think Loans Limited trading as Imagine Mortgages. Completion of this application means that you agree to your personal data being used in accordance with our Data Protection Policy.
WE RECOMMEND THAT YOU SEEK INDEPENDENT LEGAL ADVICE BEFORE ENTERING INTO ANY MORTGAGE CONTRACT. ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT. MORTGAGES ARE SECURED ON PROPERTY. WE ARE A BROKER, NOT A LENDER.
All calls are recorded for training and compliance purposes. Imagine Mortgages is a trading style of Specialist Financial Services Limited. Registered in England and Wales, No. 05309450. Registered office is 119 The Hub, 300 Kensal Road, London, W10 5BE. Specialist Financial Services Limited is authorised and regulated by the Financial Conduct Authority, FRN 676853. The FCA does not regulate lending to Limited Companies or Limited Liability Partnerships (LLP's) and some lending to consumers on investment property. For advanced under £200,000 a fee may be charged upon completion, typically this will be £1,995. Imagine Mortgages and the Imagine Mortgages logo are registered trademarks. The use of these trademarks is strictly restricted to our approved suppliers only. Any infringement of this will be vigorously pursued. Reproduction of this website in whole or in part without permission is prohibited. We are a broker, not a lender.
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