This Privacy Notice explains how Property Clinic Solutions Limited collects, records, uses, and protects the personal data we hold about you. We are committed to handling your data lawfully, fairly, and transparently under the UK GDPR and the Data Protection Act 2018.
Who we are
Property Clinic Solutions Limited is an Appointed Representative of BSL Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority under firm reference number 816566.
Property Clinic Solutions Limited is a firm registered in England & Wales under registration number 15630130. Registered Office: 1 Mychell House, Pincott Road, London, SW19 2NN.
Our ICO registration number is ZC038608.
What data do we collect?
Our Company collects the following data:
- Title, name, date of birth, gender, nationality, civil / marital status, contact details, addresses and documents that are necessary to verify your identity.
- Employment and remuneration information (including salary / bonus schemes / overtime / sick pay / other benefits) and employment history.
- Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents.
- Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information).
- Any pre-existing Mortgage and Insurance products and the terms and conditions relating to these.
How do we collect your data?
We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to Mortgages and Insurance. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data, for example software that is able to verify your credit status, we will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
Special Category Data
In the course of your interactions with Property Clinic Solutions Limited you may share information that is classified as 'Special Category Data'. This could include data about:
- Race
- Ethnic origin
- Politics
- Religion
- Trade union membership
- Genetics
- Biometrics
- Health
- Sex life
- Sexual orientation
Where you do share information relating to any of these categories — e.g. when you may share information about your health or a characteristic of vulnerability — Property Clinic Solutions Limited will always seek explicit consent from you to store and process such information.
How will we use your data?
Our Company collects your data so that we can process your application and manage your request; email you with special offers on other products and services we think you might like; and monitor the performance of our products and services to ensure consumer outcomes are being achieved.
| Purpose / Activity | Type(s) of data | Lawful basis for processing |
|---|---|---|
To initially engage with you to discuss your requirements | Identity Contact | Consent Necessary for our legitimate interests |
To source products, provide indicative quotes, and process & deliver your application for a mortgage or protection product | Identity Contact Financial Transaction Marketing & Comms Special Category | Performance of a contract with you To comply with a legal obligation Necessary for our legitimate interests (to recover debts due to us) Explicit Consent |
To manage our relationship with you, which will include: notifying you about changes to our terms or privacy policy; customer reviews / surveys; re-engagement when an existing product nears expiry / review protection needs | Identity Contact Profile & Usage Marketing & Comms | Performance of a contract with you To comply with a legal obligation Necessary for our legitimate interests (to re-engage with you to review your existing mortgage / protection needs, and to maintain and improve customer service standards) |
To respond to case enquiries and input to & defend against complaints | Identity Contact Profile & Usage Transaction Marketing & Comms Special Category Legal Claims & Judicial Acts | To comply with a legal obligation Necessary for our legitimate interests (to ensure that complaints can be responded to accurately) |
To perform an affordability check for a property on behalf of an Estate Agent or New Home Builder | Identity Contact Financial Profile & Usage | Necessary for our legitimate interests and those of the New Home Builder / Estate Agent (to ensure that a property is affordable before proceeding with the purchase process) |
To administer and protect our business and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) | Identity Contact Technical | To comply with a legal obligation Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) |
To use data analytics to improve our website, products / services, marketing, customer relationships and experiences | Technical Profile & Usage | Necessary for our legitimate interests (to analyse customer usage, update our website, to develop our business and to inform our marketing strategy) |
Lawful basis for processing data
If you agree, Our Company will share your data with our partner companies so that they may offer you their products and services.
| Type of recipient | Reason |
|---|---|
Lenders and protection product suppliers | To source and submit applications in order to conclude the contract for the mortgage / protection application and the ongoing servicing of these contracts. |
External suppliers | Specialist IT system providers to facilitate the sourcing of products, to provide continuing advice, to inform you about relevant products and services, and to request feedback on customer service standards. It may also be necessary to share your personal information with non-affiliated companies who perform support services on our behalf, including those that provide professional, legal or accounting advice to Property Clinic Solutions Limited. |
Solicitors / Conveyancers | To update the firm of solicitors / conveyancers with whom you are interacting about the progress of your application and confirm your identity / proof of deposit. |
Estate agents / new home builders | To update the firm of mortgage / protection advisers, estate agents and home builders with whom you are interacting about the results of affordability checks and progress of your application. |
Licensed Credit Agencies | For the purposes of confirming your identity to comply with Anti Money Laundering requirements; to perform a credit assessment to assess your eligibility; as part of an application request for a Lender's Decision In Principle; and to perform a credit assessment with your consent as part of a full application. |
Regulators | Sharing of information may be necessary to fulfil our legal obligations as a regulated profession, for example with the Financial Conduct Authority, to verify your identity and comply with Anti Money Laundering legislation, and otherwise co-operate with law enforcement, legal proceedings or regulatory authorities. |
Others | Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice. |
When Our Company processes your data, it may send your data to, and also use the resulting information from, credit reference agencies to prevent fraudulent purchases.
How do we store your data?
We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom.
| Purpose of processing | Retention |
|---|---|
Successful mortgage / protection applications | For the full mortgage or protection policy term — six years from the date the application completes. |
Withdrawn, stalled, incomplete and failed mortgage / protection applications | 2 years from the date the latest application was started, or 6 years from the application submitted date if the application was submitted and subsequently rejected, or from creation date if advice has been provided but not pursued. |
Affordability assessments for new build property | 2 years from Decision In Principle if the affordability check does not proceed to a full mortgage application. |
Enquiry data obtained from third parties (Estate Agents, websites) that do not result in an application for a mortgage / protection product | 2 years from the date the lead was received from the Introducer. |
Marketing
Property Clinic Solutions Limited understands that with the introduction of the Consumer Duty, it is likely the level of communications issued by our business will increase. This will be necessary to support customers to understand the products and services offered and to provide support to customers throughout the lifecycle of the relationship.
Our Company would like to send you information about products and services of ours that we think you might like, as well as those of our partner companies. The organisations that may receive your data are set out in the 'Lawful basis for processing data' table above.
If you have agreed to receive marketing, you may always opt out at a later date. You have the right at any time to stop Our Company from contacting you for marketing purposes or giving your data to other parties.
What are your data protection rights?
Our Company would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
- The right to access. you have the right to request copies of your personal data. We may charge you a small fee for this service.
- The right to rectification. you have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete information you believe is incomplete.
- The right to erasure. you have the right to request that we erase your personal data, under certain conditions.
- The right to restrict processing. you have the right to request that we restrict the processing of your personal data, under certain conditions.
- The right to object to processing. you have the right to object to our processing of your personal data, under certain conditions.
- The right to data portability. you have the right to request that we transfer the data we have collected to another organisation, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at info@propertyclinicsolutions.com, call us on 0333 404 0589, or write to us at 1 Mychell House, Pincott Road, London, SW19 2NN.
Cookies
Property Clinic Solutions Limited uses cookies to track and test customer engagement and actions throughout the customer journey or customer communications. We understand that under the Privacy and Electronic Communications Regulation (PECR), opt-in consent is required when these types of cookies are used.
Cookies are text files placed on your computer to collect standard Internet log information and visitor behaviour information. When you visit our website, we may collect information from you automatically through cookies or similar technology. For further information, visit www.allaboutcookies.org.
How do we use cookies?
Our Company uses cookies in a range of ways to improve your experience on our website, including:
- Keeping you signed in
- Understanding how you use our website
What types of cookies do we use?
There are a number of different types of cookies; however, our website uses:
- Functionality. we use these cookies so that we recognise you on our website and remember your previously selected preferences. These could include what language you prefer and the location you are in. A mix of first-party and third-party cookies are used.
- Advertising. we use these cookies to collect information about your visit to our website, the content you viewed, the links you followed and information about your browser, device, and your IP address. We sometimes share some limited aspects of this data with third parties for advertising purposes.
A full list of the cookies we use, including their domain, type, expiration and description, is available in our Cookie Policy.
How to manage cookies
You can set your browser not to accept cookies, and the above website tells you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.
Privacy policies of other websites
Property Clinic Solutions Limited's website contains links to other websites. If you click on a link to another website, our privacy policy no longer applies, and we recommend you review that site's privacy policy to establish how they will process your data.
Changes to our privacy policy
Our Company keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last updated in June 2026.
How to contact us
If you have any questions about Property Clinic Solutions Limited's Privacy Notice, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.
- Email. info@propertyclinicsolutions.com
- Phone. 0333 404 0589
- Post. Property Clinic Solutions Limited, 1 Mychell House, Pincott Road, London, SW19 2NN
How to contact the appropriate authority
Should you wish to report a complaint or if you feel that Property Clinic Solutions Limited has not addressed your concern in a satisfactory manner, you may contact the Information Commissioner's Office at www.ico.org.uk.