The content of this website and the products and services featured are only available to residents of the United Kingdom aged over 18 and are subject to status. Loans will be secured on your property. By accessing and using this website you are agreeing to our Conditions of Use and Privacy statement.

Telephone calls may be recorded for training and security purposes.

National Personal Loans

National Personal Loans is a trading style of Lattice Design Limited .

Privacy Statement
This privacy statement covers the site www.national-mortgages.co.uk. Because this web site wants to demonstrate it's commitment to our users' privacy, it has agreed to disclose its information practices.

1. What personally identifiable information National Mortgages collects
2. What personally identifiable information third parties collect through the Web site
3. What organization collects the information
4. How National Mortgages uses the information
5. With whom National Mortgages may share user information
6. What choices are available to users regarding collection, use and distribution of the information
7. What types of security procedures are in place to protect the loss, misuse or alteration of information under National Mortgages control
8. How users can correct any inaccuracies in the information

If users have questions or concerns regarding this statement, they should first contact the Webmaster by emailing webmaster@national-mortgages.co.uk

Information Collection and Use
National Mortgages are the sole owners of the information collected on www.national-mortgages.co.uk. National Mortgages & its approved lenders collects information from our users at several different points on our site.

Application Form
We request information from the user on our application form. A user must provide contact information (such as name, email address, home address etc) and in some cases, financial information (such as loan amounts, outstanding credit balances etc). This information is used in consideration of your loan application. We use the information to contact you regarding your application.

We store information that we collect through cookies, our own web server database, log files, clear gif's, and/or third parties to create a profile of our users. A profile is stored information that we keep on individual users. We do not share your profile or personally identifiable information with any third party.

Cookies
A cookie is a piece of data stored on the users computer tied to information about the user. We use session ID cookies only. For the session ID cookie, once users close the browser, the cookie simply terminates.

By setting a cookie on our site, we allocate each visitor a Unique Reference which follows them throughout the site. This Unique Reference is logged along with referring domain information and just your email address only in the event you make a loan application. If you do not make a loan application, only your referring domain information is stored.

Log Files
Like most standard web site servers, we use log files. The includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyse trends, administer the site, track users movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc are not linked to personally identifiable information.

Clear Gifs (Web beacons/Web bugs)
On occasion, we employ a software technology called clear gifs that help us monitor the effectiveness on certain marketing and advertising which we do across the internet. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users.

Communications from the Site

Special Offers and Updates
We send all new subscribers to our mailing list a welcome email. Established members will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users, we present the option to not receive these communications. Please see the Choice and Opt-out sections.

Mailing List
If a user wishes to subscribe to our mailing list, we ask for contact information such as name and email address. Out of respect for our users privacy, we provide a way to opt-out of these communications. Please see the Choice and Opt-out sections.

Service Announcements
On rare occasions, it might be necessary to send out a strictly service related announcement. These communications will not be promotional in nature, and will relate strictly to any important service announcement, which we have to make, for example, server downtime.

Customer Service
We communicate with customers on a regular basis to provide requested services and information relating to their loan application. We reply via email, phone or in writing in accordance with the users wishes. Due to the nature of the loan application process it might be a requirement to contact you by telephone or by writing to you, and we will advise you if this is so.

Sharing

Legal Disclaimer
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our web site.

Aggregate Information
We do not share aggregated information with our partners and advertisers.

Third Party Advertisers
National Mortgages shares web site usage information about users with a reputable third party for the purpose of targeting our Internet banner advertisements across the internet. The information we may share with them is not personally identifiable in any way to any of our users.

Choice/Opt-out
Our users are given the opportunity to "opt-out" of having their information used for purposes not directly related to our site at the point where we ask for information.

Users who no longer wish to receive any communications or promotional marketing information from us, may opt-out of receiving these communication by replying to unsubscribe in the subject line in the email, or email us at unsubscribe@national-mortgages.co.uk

Users of our site are always notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.

Links
This web site may contain links to other sites from time to time. Please be aware that we, National Mortgages and our lenders are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this web site.

Surveys
From time to time, our site requests information from users via surveys. Participation in these surveys is completely voluntary and the user therefore has a choice whether or not to disclose this information. The requested information will be completely anonymous and will not require any form of personally identifiable information.

Supplementation of Information
In order for this website to properly fulfil it's obligation to users, it is necessary for us to supplement the information we receive with information from 3rd party sources.

Credit Search
For example, to determine if we can offer a loan to an applicant, we use their personally identifiable information to request a credit search. Full details of this process are disclosed on our application form and no credit check will be undertaken without users consent.

Notification of Changes
If we decide to change our privacy policy, we will post those changes to this privacy statement and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.

If however, we are going to use users personally identifiable information in a manner different from that stated at the time of collection, we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, then they will not be contacted, nor will their personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our web site notifying users of the change. In some cases where we post a notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.

Important Information

Joint Applicants
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. We may use credit-scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by National Mortgages, or our appointed lenders, and other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.

To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records 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 protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. We, members of the Group, and other companies may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.

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
• authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you

Sole Application
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. We may use credit-scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by National Mortgages, our lenders, and other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.

To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records 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 protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. We, members of the Group, and other companies may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.

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
• authorise us 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.

For Both Sole and Joint Applications
Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on time, we may tell credit reference agencies who will record the outstanding debt.
You have the right of access to your personal records held by credit and fraud agencies. We will supply their names and addresses upon request to The Data Protection Officer National Mortgages - enquiries@national-mortgages.co.uk
If you do not wish to receive correspondence from offering other products which we think may interest to you please write to the Data Protection Officer as above

Contact Information

If users have any questions or suggestions regarding our privacy policy, please contact us at:

Email: webmaster@national-mortgages.co.uk

Business Loans | Personal Loans | Tenant Loans

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THE OVERALL COST FOR COMPARISON IS 8.9% APR
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The rate is variable and based on a usual
case including fees of £2,200.
The actual rate available will depend upon your circumstances.