Privacy Policy

Last updated: 12 January 2026

1. Information We Collect

1.1 Information You Provide

When you use our mortgage overpayment calculator, you may enter:

• Mortgage balance and property value
• Interest rate and mortgage term
• Monthly overpayment amounts
• One-off lump sum overpayments
• Mortgage type and repayment details

Important: All calculation data is processed entirely in your web browser. We do not transmit, store, or have access to any mortgage information, financial data, or overpayment calculations you enter into the calculator.

1.2 Automatically Collected Information

When you visit our website, we may automatically collect:

• Browser type and version
• Operating system
• Referring website (if applicable)
• Pages visited and time spent on pages
• Date and time of visit
• IP address (anonymised)
• Device type (desktop, mobile, tablet)

2. How We Use Your Information

We use the automatically collected information to:

• Understand how visitors use our website
• Improve website functionality and user experience
• Monitor and analyse website performance
• Detect and prevent technical issues
• Generate anonymous usage statistics
• Comply with legal obligations

3. Local Storage

Our website may use your browser's local storage to:

• Remember your mortgage calculation preferences (optional)
• Store your last calculation for convenience
• Improve loading times on repeat visits
• Store non-personal technical settings

Local storage data remains on your device and can be cleared at any time through your browser settings.

4. Cookies and Tracking Technologies

4.1 Essential Cookies

We may use essential cookies necessary for the website to function properly. These cannot be disabled.

4.2 Analytics Cookies

We use analytics services (such as Google Analytics) to understand how visitors interact with our website. These services may use cookies to collect anonymous information including:

• Pages viewed
• Time spent on site
• Traffic sources
• General geographic location (country/city level)
• Device and browser information

Analytics data is anonymised and used only for improving our service.

4.3 Advertising Cookies

We use Google AdSense to display advertisements on our website. Google may use cookies to:

• Show relevant advertisements based on your interests
• Limit the number of times you see an ad
• Measure advertising effectiveness

You can control ad personalisation through Google Ad Settings or opt out of personalised advertising by visiting aboutads.info/choices.

4.4 Managing Cookies

You can control and delete cookies through your browser settings. However, disabling cookies may affect website functionality. To learn more about cookies and how to manage them, visit aboutcookies.org.

5. Third-Party Services

5.1 Google AdSense

We use Google AdSense to display advertisements. Google's use of advertising cookies enables it and its partners to serve ads based on your visits to this site and other sites on the Internet.

For more information about Google's privacy practices, see the Google Privacy Policy.

5.2 Google Analytics

We may use Google Analytics to analyse website usage. Google Analytics collects information anonymously and reports website trends without identifying individual visitors.

For more information, see How Google uses data when you use our partners' sites or apps.

5.3 External Links

Our website may contain links to external websites (such as mortgage comparison sites). We are not responsible for the privacy practices of these third-party sites. We recommend reviewing their privacy policies.

6. Data Security

We take reasonable measures to protect information collected through our website:

• HTTPS encryption for secure data transmission
• Regular security reviews and updates
• Limited data collection (minimal necessary information)
• No storage of personal mortgage or financial data

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

Since we do not collect or store your mortgage calculation data:

• Calculation data: Exists only in your browser session and is not retained by us
• Analytics data: Retained according to our analytics provider's retention policy (typically 26-50 months, anonymised)
• Server logs: Retained for security and performance monitoring purposes (typically 90 days or less)

8. Your Rights

Under UK and EU data protection law (GDPR), you have the following rights:

• Right to access: Request a copy of the personal data we hold about you
• Right to rectification: Request correction of inaccurate data
• Right to erasure: Request deletion of your personal data
• Right to restrict processing: Request limitation of how we use your data
• Right to object: Object to processing of your personal data
• Right to data portability: Request transfer of your data to another service
• Right to withdraw consent: Withdraw consent for data processing at any time

To exercise any of these rights, please contact us using the details in the Contact section below.

9. Children's Privacy

Our website is not intended for children under 16 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. International Users

Our website is primarily intended for users in the United Kingdom. If you access our site from outside the UK, please be aware that your information may be transferred to and processed in the UK, where data protection laws may differ from your jurisdiction.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Updates will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically.

Significant changes will be highlighted at the top of the policy for at least 30 days after posting.

12. Legal Basis for Processing (GDPR)

We process your information under the following legal bases:

• Legitimate interests: To operate and improve our website, analyse usage, and ensure security
• Consent: For non-essential cookies and advertising (you can withdraw consent anytime through cookie settings)
• Legal obligation: To comply with applicable laws and regulations

13. Contact Us

If you have questions about this Privacy Policy, want to exercise your data rights, or have privacy concerns, please contact us:

• Email: hello@mortgage-mate.co.uk
• Website: mortgage-mate.co.uk/contact

14. Complaints

If you believe we have not handled your personal data properly, you have the right to lodge a complaint with the UK supervisory authority:

Information Commissioner's Office (ICO)
Website: ico.org.uk/make-a-complaint
Telephone: 0303 123 1113

15. Financial and Mortgage Advice Disclaimer

Important Notice: This mortgage overpayment calculator is for informational purposes only and should not be used as the sole basis for making financial or mortgage decisions. Important considerations:

• Calculations are estimates and may not reflect your actual mortgage terms or savings
• Your mortgage lender may have specific overpayment limits, fees, or restrictions
• Early repayment charges (ERCs) may apply to overpayments during fixed/discounted rate periods
• This tool does not constitute financial or mortgage advice
• Interest rates, mortgage products, and terms vary between lenders
• Your individual circumstances, including tax implications, should be considered

Always check your mortgage terms and conditions before making overpayments. For personalized mortgage advice, consult with a qualified mortgage adviser regulated by the Financial Conduct Authority (FCA). For general guidance, visit MoneyHelper Mortgages.

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