At Commercial Mortgage Centre, we are committed to offering our customers the highest possible standards of service. In so doing we are pleased to support the Financial Services Authority initiative 'Treating Customers Fairly'.
We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in all aspects of our dealings with you.
Our commitment to you
We will:
How you can help us
To help us provide you the most appropriate mortgage product information, we will ask you to:
Thank you for choosing Commercial Mortgage Centre.
The Data Protection Act
The Data Protection Act 1998 (the "Act") puts obligations on users of personal information and lays down the principles for its use. One principle states that information has to be processed fairly and lawfully. This means that you are entitled to know how Commercial Mortgage Centre intend to use any information you provide.
How Commercial Mortgage Centre Use Your Personal Information
The main use of Commercial Mortgage Centre obtaining your personal information is to assist you in your application for a mortgage or loan. This will include your name, address and telephone number. We may also obtain some details from credit reference agencies.
After completion of the service which we provide to you, your personal data may be archived and retained on our database and manual files. This data will only be used to assist us to comply with our legal requirements or if your account is re-activated in relation to any subsequent application or request for a service.
Commercial Mortgage Centre may occasionally contact you by letter, telephone, email or otherwise to inform you about other products and services that may be of interest to you. Commercial Mortgage Centre will request that you sign a separate document agreeing to this. Commercial Mortgage Centre will not provide information about these products and services unless you give us your consent. If at a later stage you do not wish to be contacted please write to inform us.
The Financial Services Authority (FSA) compliance review bodies may audit a sample of our customer records to assess our compliance with the regulations. If this happens, strict confidentiality conditions are always adhered to. Under the Act you have the right to access the information Commercial Mortgage Centre hold about you. The Act allows Commercial Mortgage Centre to charge a £10.00 fee for this service and if anything is inaccurate or incorrect, please let us know and we will correct it. Credit Referencing
If you apply for a mortgage or secured loan through Commercial Mortgage Centre, a search will be performed with a credit reference agency and a record of the search will be kept. When applying for a mortgage Commercial Mortgage Centre may search public records, such as the Electoral Roll, that are available from credit reference agencies to help us 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.
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.
If you have been refused credit you can get advice from your local Trading Standards department, Citizens Advice Bureau or Consumer Advice Centre, or through the agencies` websites.
Credit Reference Agencies
The main credit reference agencies are as follows:
Experian Limited,
Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX
Equifax Plc,
Credit File Advice Service
PO Box 1140
Bradford
BD1 5US
Anti-Money Laundering & Statutory
To comply with money laundering regulations, and to help stop criminals using financial products or services to launder money, there are times when we need to confirm (or reconfirm) the name and the address of our customers.
Telephone Calls
Commercial Mortgage Centre may record telephone conversations to offer you additional security, resolve complaints and improve our service standards.
The Commercial Mortgage Centre Ltd offering a variety of secured loans including loans for contractors and the self-employed, no proof of income? no problem, we can also help people with adverse credit history or those with a bad credit rating throughout the UK including these areas:
Boston UK, Cleethorpes, Gainsborough, Grantham, Grimsby, Hykeham, Lincoln, Louth, Market Deeping, North Hykeham, Scunthorpe, Shapcott, Skegness, Spalding, Stamford, Suffolk, Barnardiston, Barnby, Barnham, Bedingfield, Bury St. Edmunds, Cavendish Chattisham, Chedburgh, Clare, Debenham, Eriswell, Euston, Farnham, Felixstowe, Fornham-St-Genevieve, Southwold, Ipswich, Abram, Altrincha, Grimsby, Ashton-in-Makerfield, Ashton-under-Lyne, Astley, Atherton, Baguley, Bickershaw, Birch, Blackrod, Bolton, Bowdon, Bradshaw, Bramhall, Bredbury, Broadheath, Bromley Cross, Bryn, Bury, Carrington, Castleton, Chadderton, Cheadle, Cheadle Hulme, Chequerbent, Darcy Lever, Davyhulme, Delph, Droylsden, Denton, Diggle, Dukinfield, Eccles, Ellenbrook, Failsworth, Farnworth, Golborne, Gorton, Greenfield, Guide Bridge, Haigh, Harwood, Hazel Grove, Heaton Chapel, Heaton Norris, Heywood, Flixton, Golborne, Gorton, Greenfield,Guide Bridge, Haigh, Harwood, Hazel Grove, Heaton Chapel, Heaton Norris, Heywood, Hindley, Holcombe, Hollingworth, Hollinwood, Horwich, Hyde, Ince-in-Makerfield, Irlam, Kearsley, Lees, Leigh, Levenshulme, Little Hulton, Little Lever, Littleborough, Longdendale, Lowton, Manchester, Marple, Mellor, Micklehurst, Middleton (Gt Mcr), Millbrook, Milnrow, Moorside, Mossley, Moston, Mottram in Longdendale, New Delph, New Hey, Newton Heath, Northenden, Oldham, Openshaw, Partington, Patricroft, Pemberton, Pendlebury, Prestwich, Radcliffe, Ramsbottom, Reddish, Ringley, Ringway, Rochdale, Romiley, Royton, Rusholme, Saddleworth, Sale, Salford, Shaw, Shevington, Smithy Bridge, Stalybridge, Standish, Stockport, Stretford, Stubbins, Summerseat, Swinton, Timperley, Tottington, Trafford Park, Tyldesley, Uppermill, Urmston, Victoria Park, Walkden, Walmersley, Warburton, Wardle, West Gorton, Woodley, Worsley, Wythenshawe, Wilmslow, Birmingham, Leeds, Sheffield,Brighton,Dover, Newcastle, Acton, Addington, Balham, Barking, Barkingside, Barnes, Barnet,Battersea, Beckenham, Beckton, Belmont, Belvedere, Bermondsey, Bethnal Green, Bexley, Bexleyheath, Bickley, Biggin Hill, Blackfen, Blackwall, Bloomsbury, Bow, Brent, Brentford, Brixton, Bromley, Camberwell, Carshalton, Catford, Charing Cross, Cheam, Chelsea, Chelsfield, Chessington, Chingford, Chislehurst, Chiswick, City of London, Clapham, Cockfosters, Coulsdon,Covent Garden, Cowley, Cranford, Crayford, Cricklewood, Croydon, Cubitt Town, Cudham, Dagenham, Deptford, Dollis Hill, Downe, Dulwich, Ealing, Earls Court, East Barnet, East Bedfont, East Dulwich, East Finchley, East Ham, Eastcote, Edgware, Edmonton, Elm Park, Elmers End, Eltham, Enfield, Enfield-Lock, Erith, Fairlop Station, Farnborough, Feltham, Finchley, Finsbury, Foots Cray, Forest Hill, Friern Barnet, Fulham, Golders Green, Goodmayes, Greenford, Greenwich, Grove Park, Hackbridge, Hackney, Hammersmith, Hampstead, Hampton, Hampton Hill, Hanwell, Hanworth, Harefield, Haringey, Harlesden, Harlington, Harold Wood, Harrow, Harrow Weald, Hatch End, Havering atte Bower, Hayes, Hendon, Herne Hill, Heston, High Barnet, Highbury, Highgate, Hillingdon, Holborn, Hook, Hornchurch, Hornsey, Hounslow, Hoxton, Hyde Park, Ickenham, Ilford, Isleworth, Islington, Kenley, Kensington, Kenton, Keston, Kew, Kew Bridge, Kew Gardens, Kew Green, Kidbrooke, Kingston upon Thames, Lewisham, Leyton, Limehouse, London, Lower Holloway, Maida Vale, Malden, Marylebone, Mayfair,Mill Hill, Millwall, Mitcham, Morden, Neasden, New Barnet, New Bedfont, New Cross, New Malden, New Southgate, Norbury, North Acton, North Kensington,North Woolwich, Northolt, Northwood, Norwood, Norwood, Notting Hill, Orpington,Paddington, Palmers Green, Parsons Green, Peckham, Perivale, Pinner, Plumstead, Ponders End, Poplar, Preston, Puddle Dock, Purley, Putney, Rainham, Raynes Park, Redbridge, Richmond, Richmond upon Thames, Roehampton, Romford, Rotherhithe,Ruislip, Sanderstead, Seven Kings, Shepherds Bush, Shirley, Shooters Hill, Shoreditch, Sidcup, Silvertown, Slades Green, Snaresbrook, South Kensington, South Norwood, South Ruislip, Southall, Southgate, Southwark, Spitalfields, St. Johns Wood, St. Mary Cray, St. Pancras, Stanmore, Stepney,Stoke Newington, Stone Grove, Stratford, Strawberry Hill, Streatham, Sudbury, Surbiton, Sutton, Teddington, The Hyde, Thornton Heath, Tottenham, Totteridge,Twickenham, Upminster, Upper Clapton, Upper Holloway, Upper Norwood, Uxbridge, Wallington, Walthamstow, Walworth, Wandsworth, Wanstead, Wealdstone, Welling,Wembley, West Bedfont, West Brompton, West Drayton, West Dulwich, West Ham,West Kensington, West Norwood, West Ruislip, West Wickham, Westminster, Whetstone, Whitechapel, Whitton, Willesden, Willesden Green, Wimbledon, Winchmore Hill, Wood Green, Woodford, Woodford Green, Woolwich, Yiewsley, Palmers Green, Essendon, The Rodings, S W Essex, S Herts, North London, North East London, Hampstead, Lea Valley, Roydon, Goffs Oak, Hainault, Church Langley, Stanstead, Bedfordshire, Bedford,Berkshire, Windsor, Reading, Buckinghamshire, Aylesbury, Cambridgeshire, Cambridge, Cheshire, Chester, Cornwall, Truro, Cumberland, Carlisle,Derbyshire, Derby, Matlock, Devon, Exeter, Dorset, Dorchester, Wimborne, County Durham, Durham, Essex, Chelmsford, Gloucestershire, Gloucester, Hampshire, Southampton, Winchester, Herefordshire, Hereford, Hertfordshire, Hertford, Huntingdonshire, Huntingdon, Kent, Maidstone, Lancashire, Accrington, Adlington, Altham, Appley Bridge, Arkholme, Aughton, Bacup, Balderstone, Bamber Bridge, Banks, Bare, Barnoldswick, Barrowford, Barton, Baxenden, Belmont, Bickerstaffe, Bispham, Blackburn, Blackpool, Bolton by Bowland, Bolton le Sands, Borwick, Bracewell, Bretherton, Brierfield, Brinscall, Broughton, Burnley, Burscough, Carnforth, Caton, Catterall, Chatburn, Cherry Tree, Chipping,Chorley, Church, Claughton, Claughton, Clayton-le-Moors, Cleveleys, Clitheroe,Cockerham, Colne, Coppull, Cowan Bridge, Crawshaw Booth, Crossens, Croston,Darwen, Eccleston, Edenfield, Edgworth, Elswick, Esprick, Euxton, Ewood Bridge,Facit, Farington, Feniscowles, Fleetwood, Forton, Foulridge, Freckleton, Galgate,Garstang, Gisburn, Glasson, Goosnargh, Great Altcar, Great Eccleston,Great Harwood, Great Mitton, Gressingham, Grimsargh, Grindleton, Halsall,Halton, Hambleton, Hapton, Harle Syke, Harrop Fold, Haslingden, Heapey,Heaton, Helmshore, Hesketh Bank, Hest Bank, Heysham, Higher Thrushgill,Hoghton, Holme Chapel, Hornby, Huncoat, Hurst Green, Hutton, Inglewhite,Inskip, Kelbrook, Kirkham, Lancaster, Laneshaw Bridge, Langho, Lathom, Lea Town,Leck, Leyland, Little Singleton, Longridge, Longton, Lower Bentham, Lower Darwen, Marshaw, Marton, Mawdesley, Meadowbank, Melling, Mellor,Middleton, Morecambe, Moss Side, Much Hoole, Nelson, Nether Kellet, Newchurch, Newsholme, Newton, Newton, Norbreck, Ormskirk, Oswaldtwistle, Over Kellet,Overton, Padiham, Parbold, Paythorne, Pendleton, Penwortham, Pilling, Plumpton,Portsmouth, Poulton-le-Fylde, Preesall, Rawtenstall, Ribchester, Rimington, Rishton, Rivington, Roddlesworth, Rufford, Sabden, Salterforth, Samlesbury, Sawley, Scarisbrick, Scorton, Scotforth, Shawforth, Shireshead, Silverdale, Simonstone, Singleton, Skelmersdale, Slaidburn, Sollom, Springfield, Squires Gate, St. Annes, St. Michaels on Wyre, Tarleton, Tarnbrook, Thornton, Torrisholme, Town Green, Tunstall, Turton, Upholland, Waddington, Walton le Dale, Warton, Weeton, Wennington, Westhead, Whalley, Whitewell, Whittington, Whitworth, Wilpshire Winmarleigh, Withnell, Woodplumpton, Worsthorne, Wray, Wrea Green,West Yorkshire, Aberford, Ackworth Moor Top, Addingham, Adel, Aireborough, Almondbury,Altofts, Alverthorpe, Apperley Bridge, Ardsley, Arthington, Badsworth, Baildon,Bardsey, Barkisland, Batley, Batley Carr, Beeston, Beeston Hill, Belle Isle,Ben Rhydding, Bierley, Bingley, Birkenshaw, Birstall, Boston Spa, Bradford,Bradley, Bramham, Bramhope, Bramley, Brighouse, Brockholes, Burley in Wharfedale, Buttershaw, Calverley, Carleton, Cartworth, Castleford, Churwell, City Station, Clayton, Clayton West, Cleckheaton,Collingham, Cornholme, Crigglestone, Crofton, Cross Gates, Cullingworth,Darrington, Denby Dale, Denholme, Dewsbury, Drighlington, Dudley Hill,East Hardwick, East Keswick, Eastburn, Eastwood, Elland, Emley, Esholt,Exley, Farnley, Farnley Tyas, Farsley, Featherstone, Fenay Bridge, Ferrybridge,Fitzwilliam, Flockton, Garforth, Gildersome, Golcar, Gomersal, Great Horton,Greetland, Guiseley, Halifax, Harewood, Haworth, Hebden Bridge, Heckmondwike,Hemsworth, Heptonstall, Hepworth, Hill Top, Hipperholme, Holmbridge, Holme,Holmfirth, Honley, Horbury, Horsforth, Huddersfield, Hunslet, Idle, Ilkley, Ingrow,Keighley, Killingbeck, Kippax, Kirkburton, Kirkhamgate, Kirkheaton, Kirkstall, Knottingley, Knowsthorpe, Ledsham, Ledston, Lightcliffe, Lindley, Linthwaite, Liversedge, Lofthouse, Lofthouse Gate, Low Ackworth, Low Moor, Luddenden Foot, Lydgate, Marsden, Meanwood, Meltham, Menston, Methley, Micklefield, Middlestown,Mirfield, Moorside Edge, Moorthorpe, Moortown, Morley, Mytholm, Mytholmroyd, Normanton, North Elmsall, Notton, Oakworth, Ossett, Otley, Ovenden, Oxenhope,Pontefract, Pool, Pudsey, Purston Jaglin, Queensbury, Rawdon, Ripponden, Rishworth, Robert Town, Robin Hood, Rodley, Rothwell, Ryhill, Saltaire, Sandal, Scarcroft, Scholes, Seacroft, Shelley, Shepley, Shipley, Silsden, Skelmanthorpe, Slaithwaite, South Crosland, South Elmsall, South Kirkby, Southowram, Sowerby Bridge, Stainland, Stanley, Stanningley, Steeton, Swillington, Thorner, Thornhill, Thornton, Thorp Arch, Todmorden, Tong, Upton, Utley, Wakefield,Walsden, West Bretton, Wetherby, Whitkirk, Wibsey, Wilsden, Woodlesford, Woolley, Wyke, Yeadon, Southport, Liverpool, Merseyside, Leicestershire, Leicester, Glenfield,Lincolnshire, Lincoln, Middlesex, Clerkenwell, Westminster,Norfolk, Norwich, Northamptonshire, Northampton, Northumberland, Alnwick, Newcastle upon Tyne, Morpeth, Nottinghamshire, Nottingham, Oxfordshire, Oxford, Rutland, Oakham, Shropshire, Shrewsbury, Somerset, Somerton, Taunton, Staffordshire, Stafford, Suffolk, Surrey, Guildford, Sussex, Chichester, Warwickshire, Warwick, Westmorland, Appleby, Wiltshire, Trowbridge, Worcestershire, Worcester, Yorkshire, York,Small Business,Edinburgh, Anglesey/Sir Fon (Beaumaris, Holyhead, Llangefni, Amlwch, Menai Bridge), Brecknockshire/Sir Frycheiniog (Brecon, Builth Wells, Hay-on-Wye, Talgarth, Llanwrtwd Wells),Caernarfonshire/Sir Gaernarfon (Caernarfon, Bangor, Llandudno, Conwy, Pwllheli, Porthmadog)Carmarthenshire/Sir Gaerfyrddin (Carmarthen, Llanelli, Ammanford, Llandovery, Kidwelly, St. Clears)Cardiganshire/Ceredigion (Cardigan, Aberystwyth, Lampeter, New Quay, Tregaron)Denbighshire/Sir Ddinbych (Denbigh, Wrexham, Ruthin, Abergele, Llangollen Flintshire/Sir Fflint (Mold, Flint, Rhyl, Prestatyn, Connah's Quay, Holywell, Buckley, St. Asaph)Glamorgan/Morgannwg (Cardiff, Swansea, Merthyr Tydfil, Barry, Caerphilly, Bridgend, Neath, Pontypridd)Merioneth/Meirionnydd (Dolgellau, Bala, Tywyn, Blaenau Ffestiniog, Barmouth, Harlech)Monmouthshire/Sir Fynwy (Monmouth, Newport, Blackwood, Cwmbran, Abergavenny, Chepstow, Tredegar)Montgomeryshire/Sir Drefaldwyn (Montgomery, Newtown, Welshpool, Machynlleth, Llanidloes)Pembrokeshire/Sir Benfro (Pembroke, Milford Haven, Haverfordwest, Fishguard, Tenby, St. David's)Radnorshire/Sir Faesyfed (Presteigne, Llandrindod Wells, Knighton, Rhayader, New Radnor)Aberdeenshire (Aberdeen, Peterhead, Fraserburgh, Inverurie, Huntley, Ellon, Turriff)Angus/Forfarshire (Forfar, Dundee, Arbroath, Brechin, Montrose, Carnoustie, Kirriemuir) Argyllshire (Inveraray, Oban, Dunoon, Campbeltown, Lochgilphead, Tobermory) Ayrshire (Ayr, Kilmarnock, Irvine, Saltcoats, Kilwinning, Largs, Troon, Cumnock) Banffshire (Banff, Buckie, Keith, Macduff, Portsoy, Dufftown)Berwickshire (Greenlaw, Duns, Eyemouth, Lauder, Coldstream) Buteshire (Rothesay, Millport, Brodick, Lochranza)Cromartyshire (Cromarty, Ullapool)Caithness (Wick, Thurso, Halkirk, Castletown)Clackmannanshire (Clackmannan, Alloa, Tillicoultry, Tullibody)Dumfriesshire (Dumfries, Annan, Lockerbie, Moffat, Sanquhar, Langholm, Gretna)Dunbartonshire/Dumbartonshire (Dumbarton, Clydebank, Cumbernauld, Helensburgh, Alexandria, Kirkintilloch)East Lothian/Haddingtonshire (Haddington, North Berwick, Dunbar, Tranent, East Linton)Fife (Cupar, Dunfermline, Glenrothes, Kirkcaldy, St. Andrews, Cowdenbeath, Burntisland)Inverness-shire (Inverness, Fort William, Kingussie, Newtonmore, Portree)Kincardineshire (Stonehaven, Banchory, Laurencekirk, Inverbervie)Kinross-shire (Kinross, Milnathort)Kirkcudbrightshire (Kircudbright, Castle Douglas, Dalbeattie, New Galloway)Lanarkshire (Lanark, Glasgow, East Kilbride, Hamilton, Motherwell, Coatbridge, Carluke)Midlothian/Edinburghshire (Edinburgh, Musselburgh, Penicuik, Dalkeith, Bonnyrigg)Morayshire (Elgin, Forres, Rothes, Lossiemouth, Fochabers)Nairnshire (Nairn, Auldearn, Cawdor, Ferness)Orkney (Kirkwall, Sromness, Balfour) Peeblesshire (Peebles, Innerleithen, West Linton)Perthshire (Perth, Crieff, Pitlochry, Callander, Blairgowrie, Rattray, Coupar Angus, Kincardine) Renfrewshire (Renfrew, Paisley, Greenock, Johnstone, Port Glasgow, Barrhead, Kilmalcolm)Ross-shire (Dingwall, Stornaway, Tain, Alness, Invergorden)Roxburghshire (Jedburgh, Hawick, Kelso, Melrose, Roxburgh)Selkirkshire (Selkirk, Clovenfords, Galashiels)Shetland (Lerwick, Scalloway, Baltasound)Stirlingshire (Stirling, Falkirk, Grangemouth, Kilsyth, Bridge of Allan, Denny, Alva)Sutherland (Dornoch, Helmsdale, Brora, Golspie, Lairg, Durness, Tongue) West Lothian/Linlithgowshire (Linlithgow, Livingston, Bo'ness, Broxburn, Whitburn, Armadale, Bat