You Insure is a division of You Mortgages Limited. You Mortgages Ltd is a limited company registered in Scotland No. SC267477, and an appointed representative of Network Data Ltd, which is authorised and regulated by the Financial Services Authority.

We provide users with information and/or advice on mortgage products from the whole market and offer two levels of service.

1. We will advise and make a recommendation for you after we have assessed your mortgage needs, or
2. You will not receive advice or recommendation from us. We may ask you some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

At the start of any direct contact with you, we will discuss and agree the level of service you require, and send you an Initial Disclosure Document to confirm this. Click Here to see a sample You Mortgages Ltd Initial Disclosure Document.

The information, services, systems and data published by You Mortgages Ltd on this web site are intended for general information only and should not be construed as advice. You may wish to consider seeking mortgage advice from us before concluding any binding contract.

We as a company do not charge you any fees, we receive commission only from the lender or insurance company. You may pay arrangement costs to the lender for the mortgage.

Our aim is to provide you with a professional and confidential service, but in the event of problems arising, we have procedures for handling complaints fairly and speedily. If you wish to register a complaint please contact:

Complaints Department
Network Data Ltd
Electra House
Crewe Business Park
Crewe
Cheshire
CW1 6WZ
Tel: 01270 539950

If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.

We are covered by the Financial Services Compensation Scheme, so you may be entitled to compensation from the scheme if we cannot meet our obligations. Further details are contained in our Initial Disclosure Document.

Some mortgages (for example: most buy to let schemes, commercial mortgages, second mortgages) are not regulated by the Financial Services Authority, nor covered by the Financial Ombudsman Service and Financial Services Compensation Scheme.

You Mortgages Ltd is committed to protecting the privacy and confidentiality of your personal information. You Mortgages Ltd will collect, process and review all personal information supplied by you personally or by other suppliers in order that we may provide you with information about products and services which may be especially relevant to your needs and circumstances. We are registered as a data controller under the Data Protection Act 1998 and we will treat this information as private and confidential (even when you are no longer a user). You Mortgages Ltd will however be permitted to disclose your personal information in the following circumstances:

· If we are required or permitted to do so by law,
· If the disclosure is made at your request or with your consent,
· To the other applicant if you make a joint application for a mortgage related product,
· To our insurers, sub-contractors or agents to the extent that they require your personal information in order that we may provide our service to you,
· To the lenders which you have selected to the extent that they need your personal information in order to process your application,
· To any actual or potential transferee or assignee of any interest in your mortgage (including their advisers, insurers or assignees)
· To credit reference agencies,
· To fraud prevention agencies and registers to assist in the prevention of fraud and the tracing of debtors,
· To our auditors, compliance advisers and to any regulatory authority to which we are subject,
· To third party suppliers who will inform you of any products/services, which we think, may be of interest to you. You will be given the opportunity to indicate that you do not wish to be contacted by other third party suppliers should you actually provide us with your personal details.
· You Mortgages Ltd may also provide you with information about special offers and some of our other products and services which may be especially relevant to your needs and circumstances. You will be given the opportunity to indicate that you do not wish to be contacted by us about special offers and some of our other products/services should you actually provide us with your personal details.

We may use some of the personal information which you provide to monitor user traffic and to create statistics which will help us to review, develop and improve our service for the benefit of our users. We will not however link your name or address with any data we publish for statistical purposes. We may have certain responsibilities under the Criminal Justice Act 1993 and the Money Laundering Regulations to verify the identity of users by making certain enquiries. We may also supplement the information that you provide to us with information we receive from third parties.

Please note that the personal data, which we hold on you, is available for inspection in accordance with the terms of The Data Protection Act 1998. If you are concerned that any of the information we hold on you is inaccurate, please contact us at advice@you-mortgages.co.uk. We would like to draw your attention to the fact that our web site may link to other third party web sites and that we are not responsible for the data protection policies and procedures of these third party web sites.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Mortgages are subject to status and valuation. Written quotations available on request. Borrowers must be 18 or over unless otherwise stated. Insurance may be required.

Registered office:
106 Hope Street
Glasgow
G2 6PH
Tel: 0845 1223 133
Fax: 0141 221 8629