Privacy Policy

Breathe Mortgages Ltd is an appointed representative of FEAR Financial Limited, authorised and regulated by the Financial Conduct Authority (FCA).

Breathe Mortgages Ltd — Financial Services Register number 1032011.

FEAR Financial Limited — Financial Services Register number 1012718.

Breathe Mortgages Ltd collects the following data:

• Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity.
• Employment and remuneration information (including salary, bonus schemes, overtime, sick pay and other benefits), and employment history.
• Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents.
• Health status and history, details of treatment and prognosis, and medical reports.
• Any pre-existing mortgage and insurance products, and the terms and conditions relating to these.

We collect and record your personal data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you, to establish your circumstances, needs and preferences in relation to mortgages and insurance.

You will provide information to us verbally and in writing, including email.

We may also obtain some information from third parties, for example credit checks, information from your employer, and searches of information in the public domain such as the voters roll.

If we use technology solutions to assist in the collection of your personal data we will only do this if we have consent from you. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.

In the course of your interactions with Breathe Mortgages Ltd you may share information that is classified as ‘Special Category Data’. This could include data about:

• Race
• Ethnic origin
• Politics
• Religion
• Trade union membership
• Genetics
• Biometrics
• Health
• Sex life
• Sexual orientation

To initially engage with you to discuss your requirements — identity and contact data, processed on the basis of consent, or where necessary for our legitimate interests.

To source products, provide indicative quotes, and process and deliver your application for a mortgage or protection product — identity, contact, financial, transaction, marketing and special category data, processed to perform our contract with you, to comply with a legal obligation, and where necessary for our legitimate interests.

To respond to case enquiries and to input to, and defend against, complaints — identity, contact, profile and usage, transaction, marketing and special category data, processed to comply with a legal obligation and where necessary for our legitimate interests.

To perform an affordability check for a property on behalf of an estate agent or new home builder — identity, contact, financial, profile and usage data, processed where necessary for our legitimate interests and those of the new home builder or estate agent.

To administer and protect our business and our website — identity, contact and technical data, processed to comply with a legal obligation and where necessary for our legitimate interests.

To use data analytics to improve our website, products and services, marketing, customer relationships and experiences — technical, profile and usage data, processed where necessary for our legitimate interests.

Lenders and protection product suppliers — to source and submit applications in order to conclude the contract for the mortgage or protection application, and the ongoing servicing of these contracts.

External suppliers — specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf, including those that provide professional, legal or accounting advice to Breathe Mortgages Ltd.

Solicitors and conveyancers — to update the firm of solicitors or conveyancers with whom you are interacting about the progress of your application, and confirm your identity or proof of deposit.

Estate agents and new home builders — to update the firm of mortgage or protection advisers, estate agents and home builders with whom you are interacting about the results of affordability checks and the progress of your application.

Licensed credit agencies — for the purposes of confirming your identity to comply with Anti Money Laundering requirements, to perform a credit assessment, and to assess eligibility.

Regulators — sharing of information may be necessary to fulfil our legal obligations as a regulated profession.

Others — third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets.

Successful mortgage or protection applications — for the full mortgage or protection policy term, or six years from the date the application completes.

Withdrawn, stalled, incomplete and failed mortgage or protection applications — two years from the date the latest application was started, or six years from the application submitted date if the application was submitted and subsequently rejected, or from the creation date if advice has been provided but not pursued.

Affordability assessments for new build property — two years from the Decision In Principle if the affordability check does not proceed to a full mortgage application.

Enquiry data obtained from third parties that do not result in an application — two years from the date the lead was received from the introducer.

Breathe Mortgages Ltd would like to send you information about products and services of ours that we think you might like, as well as those of our partner companies.

You may opt out of marketing communications at any time.

Breathe Mortgages Ltd would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

• The right to access
• The right to rectification
• The right to erasure
• The right to restrict processing
• The right to object to processing
• The right to data portability

This privacy policy was last updated on 05/06/2025. We keep it under regular review and will place any updates on this page.

Should you wish to report a complaint or if you feel that Breathe Mortgages Ltd has not addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office at www.ico.org.uk.