This website www.commercialtrust.co.uk
('website') is owned and provided by Commercial Trust Limited.
Commercial Trust Limited is a company registered in England and Wales under company number 8633445, whose registered office is at St. Crispins House, Duke Street, Norwich NR3 1PD.
We are authorised and regulated by the Financial Conduct Authority, registration number 610175. Our VAT number is 765 3535 12.
Permitted use of this website
You may access and use this Website only to find out about and make applications for mortgages and other products in respect of which we act as a broker and to seek general guidance on matters of relevance to the letting of property. Any other use (including any use that is not for you personally or in connection with your own business involving the letting of residential property) is not allowed. So, for example, you may not access and use this Website on behalf of someone else and/or in connection with a business other than your own business involving the letting of residential property.
If you provide any information or material on, downloadable from, linked to from, or accessible via, this Website to another person you will be responsible to us for their use of, and reliance on, that information or material in the same way that you would be if their use of, or reliance on, that information or material was use of, or reliance on, that information or material by you.
Access to this website
Access to this and any other websites we may provide is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on this Website or any other such websites without notice (see below). We will not be liable if for any reason this Website or any other such website is unavailable at any time or for any period.
From time to time, we may restrict access to some parts (or all) of this Website or any other of our websites to users who have registered with us.
Limitation of our liability in respect of the use and content of this Website and the need to obtain competent advice
There are many factors that may affect the legal, financial and other consequences of owning and letting out property, including, but not limited to, the suitability and effectiveness of the documentation used in the particular circumstances in which it is used, the steps you take to meet your statutory obligations as a property owner and landlord, the scope of, limitations on, and the effectiveness of, any insurance cover, the terms on which monies are lent to you and the tax that you (or others) may be or become liable to pay (such as, but not limited to, Income Tax, Corporation Tax, VAT, National Insurance Contributions, Stamp Duty Reserve Tax (or its equivalent in jurisdictions other than England), Capital Gains Tax and Inheritance Tax).
The relevant laws and rules may be subject to frequent change, including changes made with little or no prior notice, or even with retrospective effect. As, by using this website, you are agreeing that we are not liable to you in any way for the consequences to you or others of the use of (including reliance on) any Materials (as defined below), we recommend that, to the extent that you do not possess the relevant skills, knowledge or expertise, you take competent professional advice that you can rely on in respect of all of these, and other relevant matters, and that you ensure that any advice you have received remains up to date and takes into account relevant developments, including changes in your circumstances.
We will use our reasonable endeavours to correct any errors on this Website and on material downloadable directly from it within a reasonable time of being made aware of them, but neither we nor anyone else represents, warrants or guarantees that information or material on, downloadable from, linked to from, or accessible via, this Website:
• was, is or will be accurate or complete at any time
• is suitable for any particular purpose or in any particular circumstances.
We do not accept any responsibility for any content or any other aspect (including links) of any website to which the Website may be linked (“Linked Sites”) or sites linked to or from any Linked Sites.
You acknowledge that anything on, downloadable from, linked to from, or accessible via, this Website (“Material”) may contain inaccuracies or errors, may be incomplete and may not be fit for any purpose that you or anyone else intends to use it.
Regardless of what may be stated to the contrary therein, we make no representation that any Material is suitable for any particular circumstances or any particular purpose.
No Material constitutes advice and we accept no responsibility for any reliance that may be placed on it by you or anyone else or any consequence of its use by you or anyone else for any purpose or in any circumstances.
You agree that you will not seek to place, and will not invite, recommend or encourage any other person to seek to place, reliance on Material in any way which may create a liability of us to you or any other person.
You acknowledge that, before using any information or material on, downloadable from, linked to from, or accessible via, this Website in any way that may create a liability for you or any other person or that may cause you or any other person to suffer harm or loss, you will seek the advice of a suitably qualified person regarding the suitability of such information or material for the purpose for which you or such other person intends to use the same and that you or such other person will make all necessary deletions from or amendments or additions thereto as may be necessary to make the same suitable for their intended purpose.
Your indemnity of us in relation to this Website
IMPORTANT – IF YOU DO NOT UNDERSTAND THE IMPLICATIONS FOR YOU OF THIS INDEMNITY YOU SHOULD TAKE ADVICE BEFORE USING INFORMATION OR MATERIAL ON, DOWNLOADABLE FROM, LINKED TO FROM, OR ACCESSIBLE VIA, THIS WEBSITE
You will indemnify us for all liabilities, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties and legal costs (calculated on a full indemnity basis) and all other reasonable professional costs and expenses) suffered or incurred by us arising out of use by you (or by others where this has been facilitated by you, including, for example, use of your equipment, connections, web access or other facilities) of any Material.
Any links on this Website to Linked Sites are for your convenience and to provide further information. They do not signify that we endorse the Linked Site(s).
We are, or are licensed by, the owner in respect of all intellectual property rights in this Website and in the materials published on it. Those materials are legally protected.
If you print off, copy or download materials from the Website (which you may do, but only for your personal use) you must not:
- alter those materials
- use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text; or
- unless we have given our consent in writing, use any part of those materials for any commercial purpose.
Jurisdiction and applicable law
The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to this Website.
Your personal information
To provide the highest level of customer service we need accurate customer information. You can help by informing us whenever your circumstances change, either by telephone or post.
How we use your personal information
We will treat all your information as private and confidential (even when you are no longer a client) and we will not give it to anyone else unless this is done at your request or with your consent, or where we have to provide it to meet a legal obligation or to comply with the rules of a regulator.
Our main use of your personal information is to assist you in your application for a mortgage or to provide some other specific service that you have asked us about. To do this we may also need to pass information about you to others parties such as lenders, credit reference agencies, firms that can help us verify your identity and other information about you and other firms that help us detect and prevent fraud.
If you have given your permission to pass information about you to other companies in the same group of companies as us ("Sister Companies") and to others that may contact you from time to time by post, fax, e-mail, SMS or telephone to bring to your attention additional products or services that may be of interest or benefit to you; you may choose to no longer be contacted by us or any of our Sister Companies as us with information about other such products. Please write with a request to be excluded from marketing by us and/or our Sister Companies and/or other third parties to:
Data Protection Officer
Commercial Trust Limited
St Crispin's House
Occasionally, regulators may audit a sample of our customer records to assess our compliance with their rules. In such cases strict confidentiality conditions apply.
Your right to access information that we hold about you
We may process and store information about you electronically and/or in manual records.
We will process your personal data in accordance with the terms of the Data Protection Act 1998 (the "DPA").
Under the DPA you have the right, at any time, to obtain the information we hold about you on our records. The DPA allows us to charge a £10.00 fee for this service.
We pass enquiries for some types of loan to a third party mortgage broker that we work with.
If your enquiry is one that we would pass on you will, before you submit your personal details via an enquiry form on our website, be asked if you agree to us passing your personal details to a third party broker and to them contacting you by letter, email or telephone, regarding their service.
If you see this request but do not wish your details to be shared or used in this way do not send us your personal details.
If you are not asked to agree to your details being passed to a third party broker this is because your enquiry is being handled by Commercial Trust only.
When you apply for a mortgage, the details you provide to us, any information we already hold about you and information from credit reference agencies is used to assess credit risk using a technique called credit scoring.
A number of aspects of this information help mortgage lenders assess the risk and determine what mortgages they are willing to offer you.
If you apply for any credit based products (e.g. mortgage or secured loan), a search will be performed with a credit reference agency. The agency will keep a record of the search.
When you apply for a mortgage a search may also be made of public records, such as the Electoral Roll, that are available from credit reference agencies and others to help verify your identity.
Associations linking your financial records may be created on credit reference agency records when you apply for a mortgage in joint names. Your financial records, and those of anyone financially associated with you, may be considered in any future applications you make. This information may also be used for debt tracing and to assist in the prevention of money laundering, as well as in the management of your account.
To prevent or detect fraud, or to assist in verifying your identity, we may make searches of records held by our Sister Companies and at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to help protect us and our customers from theft and fraud.
If you give us false or inaccurate information and we suspect fraud, we will record this. We, our Sister Companies, and others may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.
You have the right to apply to the credit reference agencies for a copy of your credit file. If there is anything incorrect on your file, you have the right to ask the agency to add a notice of correction. We use Equifax Plc and/or Experian Limited for credit referencing. These are their contact details:
- Equifax Plc
PO Box 1140
Tel: 0870 010 0583
- Experian Ltd
Consumer Help Service
PO Box 8000
Tel: 0870 241 6212
Automatic gathering of information by our websites
Like many businesses on the internet, we use Google Analytics to collect information about how visitors use our websites, including this Website.
To do this we use something called a cookie. A cookie is a piece of data stored on the user's computer tied to information about the user.
We use the information to compile reports and to help us improve this Website and our other websites. The information that the cookies enable us to collect, including the number of visitors to this Website, where visitors have come to this Website from and the pages they have visited. The information that we obtain using Google Analytics is anonymous - it does not identify you personally.
We also use a few essential cookies in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for cannot be provided. These cookies are deleted when you close your browser.
You may be able to stop this Website (and other websites) from using cookies but if you do so this may mean that you cannot use some of the features of this Website or other websites.
If you want to know more about how you may be able to stop us and others using cookies please refer to your browser help facility.
To help us obtain information useful in improving website usability we may also use a web site recording service on the Website. It may record mouse clicks, mouse movements, page scrolling and text keyed into website forms but the information collected does not include bank details or sensitive personal data. This software may be provided by a third party that processes and stores the data, but data collected by this software from the Website is for our own use only. The information collected is stored and used for aggregated and statistical reporting.
If you call us or we call you by telephone the call may be recorded for monitoring and staff training purposes. Recordings will only be used under proper and careful supervision.
What happens when things go wrong?
You can expect us to be prompt, efficient and friendly when dealing with you. Our aim is to provide you with a world class, professional and confidential service. If you have a complaint about any aspect of the service you have received from us our staff will be happy to help resolve your concerns.
Please 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 formal complaints procedures to ensure that your complaint is handled quickly, fairly and efficiently - a leaflet with details of this process is available on request.
Your complaint (whether received by telephone, letter, e-mail or fax) will be looked into by one of our senior managers.
We will tell you if we need information from someone else to help us look into your complaint and, where necessary, we will get your written approval before seeking information for others in connection with your complaint.
For further information, or to make a complaint, please contact:
Commercial Mortgages Limited
St Crispin's House
Tel: 01603 217987
If we are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service. Our staff will assist you with this.
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Tel: 0845 080 1800
Web site: www.financial-ombudsman.org.uk