Privacy notice

MortgageExplained, operated by Muswell Rose Consulting Limited, collects only the details you choose to submit in an enquiry and uses them to read and reply to it. We do not currently pass enquiries on to a mortgage broker or any other firm. We do not sell your data. You can ask us to delete it at any time by emailing hello@mortgageexplained.co.uk.

What we collect

When you submit an enquiry we collect the information you enter: typically your name, email, optional phone number, your broad situation and any message. We do not require an account and there is no email gate to read the guides.

How we use it

We use your details to read and respond to your enquiry. We do not currently share your enquiry with a mortgage broker or any other firm for their own use, and we do not sell your data to third parties. If that changes, we will say so on the enquiry form and in this notice before it applies to you. Data you type into an embedded third-party tool, such as the Propillo tools, is collected by that provider under its own privacy policy.

International transfers

Some of our processors (for example Cloudflare, Google and, depending on region, our database and email providers) may process personal data outside the UK and European Economic Area. Where they do, we rely on an adequacy decision or on the UK International Data Transfer Agreement, or EU Standard Contractual Clauses with the UK Addendum, together with appropriate technical safeguards, so your data receives an equivalent level of protection.

Cookies and analytics

We count visits with our own counter, so we know how many people use the site and which pages help. It does not use cookies. It does not record your IP address or which browser you use. Your browser keeps a random code for the day, so a second visit that day is not counted twice. The code is replaced the next day and is never linked to an enquiry. For each page we note the page, the page you came from on this site, how long it was on screen, how far down you scrolled, and whether you are on a phone, tablet or computer. On the first page of a visit we also note the website that sent you (for example a search engine) and any campaign name in the link; if you came from an advert we note only that it was an advert, not the advert's tracking code. We also note which of our buttons were shown and clicked, and clicks on our phone and email links and on links to other websites (which website only), which of our links or buttons you clicked to move to another page (the link's text and where it goes, never anything you type) and how far people get through our forms and which question needed correcting (never what you type). We also note when a file is downloaded (the file's name and type, for example a PDF or Word file) and when a copy or print button is used, never what is copied and never anything you type. In our tools, calculators and site search we also note what you type or choose and what the tool showed you, so we can see what people look for and whether the tool helped. We never note this in our enquiry forms, or in name, email, phone, address or card boxes, and anything that looks like an email address, phone number or postcode is removed before it leaves your browser. We keep these as daily counts of each entry. If you come back on a later day without following a link, your browser remembers which website first sent you (just that website's name and the date, no code), so we can see where returning visitors first found us; "Don't count me" deletes it. We put each day's pages together to see the common routes through the site, only as totals. We keep each day's records for up to 7 days, then keep only the daily totals. We use the counts only to improve this site and do not share them, apart from Cloudflare and Supabase, who host the data for us. The law allows this kind of counting without asking first (Privacy and Electronic Communications Regulations, Schedule A1, paragraph 5). To stop being counted on this site, use the "Don't count me" link at the bottom of any page. If your browser sends Global Privacy Control, we don't count you at all.

We use Google Analytics (GA4) and Microsoft Clarity to understand how the site is used. A banner asks for your choice: they only set cookies if you choose Accept analytics, and the Clarity script does not load until you do. If you reject, GA4 still receives limited cookieless signals that Google uses to model totals. You can change your choice at any time with Cookie settings in the footer. We do not use this data for ad targeting. Full detail, including what is stored on your device, is in the cookie policy.

Your rights

We are registered with the Information Commissioner's Office (ICO), registration number ZC186833. You can ask us what we hold, ask us to correct it, or ask us to delete it. Email hello@mortgageexplained.co.uk.

See also our trust and governance page.