Terms & Privacy Policy
Kernow Mortgages is a trading style of Orton Financial Ltd, which is directly authorised and regulated by the Financial Conduct Authority (FCA number 986680).
Full legal documents
The summaries below mirror the documents published by Orton Financial Ltd. For the authoritative, full-length versions please view them on the Orton Financial website:
Terms of Business
About us
Kernow Mortgages is a trading style of Orton Financial Ltd, registered in England no. 14118690. Registered address: Unit 7b Bickland Water Road, Falmouth, England, TR11 4SZ. Orton Financial Ltd is directly authorised and regulated by the Financial Conduct Authority (FCA Number: 986680). You can verify our registration via the FCA Register.
How we act for you
We offer mortgages from the whole of the market, but excluding deals only available direct from lender to customer. We are limited in the range of mortgages we will consider for you and cannot offer advice on second charge loans, consumer buy to let, nor equity release. We do however offer further advances from existing lenders, first charge loans and buy to let mortgages for investment properties.
We will advise and make a recommendation for you on a first charge mortgage or further advance after we have assessed your needs.
Checking your identity
We are required to verify our clients for anti-money laundering regulations. For this purpose we will use electronic identity verification systems similar to those used for credit checks. We also require up-to-date proof of identity and address. For an up to date list of acceptable documents please see the HMG proof of identity checklist.
Fees and charges
No broker fee applies for an Agreement in Principle (AIP). You can use our AIP service without obligation and without charge.
Kernow Mortgages does not charge a broker fee to first-time buyers. This applies to every first-time buyer case we transact, including seafarers who remain UK resident for tax purposes. We are paid by a procuration fee from the lender. On other case types (for example remortgages, buy-to-let, or complex cases) a broker fee may apply; any fee is always disclosed and agreed with you in writing before you commit to anything.
Non-UK residents (including expats and overseas buyers): these cases are not transacted by Kernow Mortgages. They require specialist lenders and are arranged by our parent firm, Orton Financial Ltd, under its own terms of business, where a fee may apply. Any such fee is charged by Orton Financial and will always be discussed and agreed with you in writing in advance, before you commit to anything.
In all other cases we may charge a fee for our services depending on your circumstances and requirements. Where a fee applies, we will always discuss and agree it with you in advance so you have full transparency on what (if anything) you will pay.
Our guide fee scale by loan size is published on our fees page.
You will receive an ESIS (European Standardised Information Sheet) when considering a particular mortgage, which sets out all fees relating to it.
Mode of communication
We aim to accommodate communication through the most convenient method for you, including telephone, email and other acceptable electronic communication.
Complaints
If you wish to register a complaint please write to Orton Financial Ltd, Unit 7b, Bickland Water Road, Falmouth, England, TR11 4SZ.
We subscribe to the Financial Services Compensation Scheme. You may be entitled to compensation if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Privacy Policy
Who we are
Orton Financial Ltd (trading as Kernow Mortgages) takes the privacy of personal data seriously. We are registered under the General Data Protection Regulations (GDPR) 2018 and are responsible for how your personal information is collected, stored and used.
What we mean by personal data
Personal data is information that relates to you and is used to identify you, either directly (name, address, date of birth, NI number) or indirectly (your employment situation, health history, or other identifying information). In the course of providing mortgage advice, we may hold:
- Name, date of birth, contact details, addresses and ID documents
- Employment and remuneration information
- Bank account details, tax information, credit commitments and history
- Health status and history (Special Category Data, where relevant)
- Information about dependent children where applicable
Why we collect information
We use your personal information to:
- Provide our advice and services, including the products and information you have requested.
- Comply with anti-money laundering regulations and the Financial Services & Markets Act.
How we protect your information
We have strict safeguarding processes to meet our obligations under the Data Protection Regulations 2018. Documents you upload through this website are stored in an access-controlled private cloud bucket and are only accessed by our advisers when needed to provide our service.
Your personal data will be retained for a minimum of six years, or longer where we have a legal obligation to keep it.
Your rights
- Right of access — request a copy of the personal data we hold about you.
- Right to rectification — ask us to correct inaccurate or incomplete data.
- Right to erasure — ask us to delete your data, where we have no legal obligation to retain it.
Contact us about your data
For any data protection question, or to exercise any of your rights, contact Luther Yeates by email at info@kernowmortgages.co.uk, telephone 01326 536 080, or write to Unit 7b Bickland Water Road, Falmouth, England, TR11 4SZ.