Complete Finance is a trading style of Joel Malach, who is the data
controller under the Data Protection Act 1998 in relation to the
processing of your personal data in connection with the website
www.complete-finance.co.uk and your mortgage enquiry. Both we and the broker
we refer your enquiry to will use your information to provide
you with a quote, to process your application and for marketing
purposes. The broker will contact you by phone, email and text unless
you tell them otherwise. We will treat all your information as
private and confidential (even when you are no longer a
customer) except where we are permitted to disclose your
information by law, or where the disclosure is made at your
request, or is made with your consent in relation to arranging
your mortgage. Where necessary to process your
application, your data will be shared with third parties such as
the lender, your mortgage provider, joint applicants and credit
reference agencies (see Credit Searches below). Telephone calls
may be recorded for monitoring, staff training and regulatory
purposes. We will store the information they hold about you on
computer and in other records. We will use your information in
accordance with the principles of the Data Protection Act,
including data security requirements. We will only use this
information for the purposes registered under the Data
Protection Act. Further information regarding how we use your
information will be provided by the broker we refer your enquiry
to with any loan documentation that may be sent to you. You have
the right of access to your personal records upon request to the
Data Protection Officer and payment of a £10 fee. Should you
wish to exercise this right or if you have any questions or
comments regarding our data protection policy or any matter
referred to in our policy please contact the Data Protection
Officer at the correspondence address shown below. Information
may be transferred to third parties which may be located outside
the European Economic Area. We will ensure that your personal
information is protected to the level of standards in accordance
with the Data Protection Act 1998. If your information is shared
with a third party, we will instruct and state restrictions
which will protect your information. Our third party partners
will also have their own privacy policies which we recommend
that you refer to them.
Unless you advise us to the contrary, both
we and other brokers or lenders we refer your application to may contact you by telephone, letter, e-mail, sms or fax to offer other products which
we feel may be of interest to you, including mortgages. If you do not wish to be contacted with offers of other products which
we think may be of interest to you please write to the Data
Protection Officer at the correspondence address shown below, or
e-mail your name and address (including postcode) to info @
As an introducer and credit broker we will
introduce you to a mortgage broker who will help you search for a
mortgage and provide a matching service. To help you with your application and search for a
mortgage, we pass your data to a
broker or who in turn passes this information to a group of lenders and credit brokers on
their lending panel. The lenders on the broker's panel may be willing to enter into a consumer credit agreement with you, subject to their assessment of your creditworthiness and the affordability of the
mortgage among other compliance checks.
You will not be offered an unsuitable product.
We have commercial links with our trusted
broker and will generally receive a payment from them (not you) in the form of a commission if
they are successful in providing you with a mortgae.
the the broker's providers have been chosen to provide a variety of products, there are other products on the market that are not available from
their panel and, one or more of them may be more appropriate or suitable for you, so you may wish to shop around.
We encourage you to consider the
brokers' and Lenders' websites, FAQs, pre-contractual information and terms of the
mortgage documentation carefully to determine whether the
mortgage offered is suitable for your financial circumstances and whether you can afford to make the repayments under the proposed
mortgage throughout its term.
We do not charge you a fee for the
services or offer advice which assesses the merits of entering into a particular
the broker matches you with a lender it is not a specific recommendation and we have not negotiated the terms of any
mortgage agreements on your behalf.
Complete Finance is not a lender, we cannot guarantee that completing and submitting your information via the
form will result in you receiving a mortgage. Individual lenders may, at their discretion, require you to complete their own application process and undertake further checks.
broker we refer your enquiry to will make searches about you at credit reference agencies who will supply
them with credit information, as well as with information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds.
They will only perform an ‘Enquiry Search’ at this stage, which will not affect your credit rating. This type of search is recorded as a multi-footprint “SQ” Search Quotation which you will be able see on your credit report. Other lenders and credit providers will not be able to take these into account when deciding whether to offer you credit in the future. If you decide to proceed with one of the
they offer then they will perform an ‘Application Search’. They will do this on behalf of the lender and only when
they have received your signed application form from you. Application searches may affect your credit score as they are used by lenders when deciding whether to lend you money.
They may use credit-scoring methods to assess your application and to verify your identity. Credit searches and other information provided to
them and/or the credit reference agencies, about you and those with whom you are linked financially, may be used by
them in connection with your application. This information may also be used for debt tracing and the prevention of financial crime as well as the management of your account. To prevent or detect fraud, or to assist in verifying your identity,
they may make searches of their records as well as using fraud prevention agencies who will supply
them with information. They may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and
their customers from theft and fraud. If you give them false or inaccurate information and
they suspect fraud, they will record this. They and other companies may use this information if decisions are made about you or others at your address(es) in relation to credit or credit-related services.
Credit Searches – Joint Applications
In addition to the terms stated for a credit search above, by stating a financial association with another party, you are also declaring that:
You are entitled to disclose information about your joint applicant and/or anyone else referred to by you;
You authorise them to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.
Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any “associated” records.
What happens if things go wrong? You should find your dealings with
us and the broker we refer your enquiry to to be prompt, efficient and friendly.
Our aim is to provide you with a professional and confidential service. If you have a complaint about any aspect of the service you have received,
we will be happy to help resolve your concerns. We recommend that you bring your concerns to
our attention as soon as possible – the sooner we know about it the sooner that
we can resolve it. We have a formal complaints procedure to ensure that your complaint is handled quickly, fairly and efficiently;
a leaflet with details of this process is available on request.
On receipt of your complaint the matters raised will be investigated by
us or by an independent Complaint Handler within the broker's company.
Upon receipt of a complaint, an acknowledgement letter will be sent within two working days and if you remain dissatisfied, or if the complaint
is not resolved within 8 weeks from receipt, you can take your complaint to the Financial Ombusdman Service.
Should it be necessary to obtain information from third parties to further these investigations, you will be informed of this and where appropriate your written authority obtained before any disclosures being made by
them to third parties. For further information or to make a
complaint please contact the Compliance Director at the
correspondence address shown below, or on info @
complete-finance.co.uk: If we or the broker are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service:
Tel: 0800 023 4567 (0300 123 9123 from mobile phones) Website:
www.complete-finance.co.uk is owned and maintained by Joel Malach. By
accessing and using this website you are agreeing to abide by
the terms and conditions contained in their Legal and Privacy
Notice. If you do not agree to abide by these terms and
conditions, please do not use this website. Our Correspondence
address: Warwick House, Lowes Road, Bury. BL9 6PJ. Email: info @
complete-finance.co.uk. Joel Malach is
authorised and regulated by the Financial Conduct Authority. Firm registration number
720851 Data Protection Registration Number Z8904952. Trading
names include 1st LoanLinks to Other
Links to third party websites are provided solely
for your convenience. When you use the links you are leaving
their website. Please be aware that they are not responsible for
the content of third party websites or for the privacy practices
of the operators of such other sites. Links to this
We will allow third parties to link to our website
only with our written consent. Consent will only be given if
third parties agree: not to use or alter any of our trade marks
or intellectual property, particularly The Complete Finance
logo, without our written consent; not to imply that their
products or services are endorsed by us; not to misrepresent
their relationship with us; that their website does not contain
anything that might negatively impact our reputation.
Cookies, Log Files, Clear Gifs
files or clear gifsIntellectual Property
and all other intellectual property rights in all material on
this website are owned by Joel Malach. You may print and
download extracts from it only if you do not modify documents or
related graphics and our copyright and trade mark notices appear
in all copies. Otherwise no part of this website may be
reproduced or stored without our prior written permission.
Provision of Service
While we endeavour to ensure that
this website is available 24 hours a day, access to it may be
suspended temporarily and without notice, for example in the
case of system failure, maintenance or other reasons beyond our
e are not liable if the website is unavailable for any
period of time. Disclaimer
We endeavour to ensure
that the information on this website is correct and up to date.
However, we do not warrant the accuracy and completeness of
material on the website. W
e may make changes to website content,
or to products and prices described in it, at any time and
without notice. Liability
We exclude all liability
and responsibility for any loss or damage that may result to you
or a third party in connection with this website or use thereof.
This includes loss or damage caused by viruses. Note that their
liability is not excluded or limited for death or personal
injury caused by negligence; fraud; misrepresentation or any
liability which cannot be excluded or limited under applicable
law. Changes to the Legal and Privacy Notice
We may make changes to this Legal and Privacy
Notice at any time. Changes will be notified by the amended
version of the Notice being posted on this website. You should
therefore check this website from time to time to ensure you are
aware of the latest terms and conditions applicable to your use
of the website. Governing Law
This Legal and Privacy
Notice and your access to and use of this website is governed by
and interpreted in accordance with English law. Disputes arising
in connection with this Legal and Privacy Notice and your access
to and use of this website are subject to the exclusive
jurisdiction of the English courts. Queries
you have any general queries or concerns regarding this privacy
statement, please don’t hesitate to contact us using the email
address below. Contact details
Correspondence address: Warwick House, Lowes Road, Bury. BL9 6PJ.
Email: info @