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This policy covers our use of cookies, IP addresses, and other technologies.

What are cookies?

Cookies and other tracking technologies are small bits of data or code that are used to identify your devices when you use and interact with our website and other services.

What cookies do we use and how do we use them?

Essential cookies and similar technologies

These are vital for the running of our services on our website. Without the use of these cookies parts of our website would not function.

Analytics cookies and similar technologies

These collect information about your use of our website, and enable us to improve the way it works. For example, analytics cookies show us which are the most frequently visited pages. They help us record how you interact with our websites, such as how you navigate around pages and from page to page; identifying improvements we can make to the customer journey. They also help identify any difficulties you have accessing our services, so we can fix any problems. Additionally these cookies allow us to see overall patterns of usage at an aggregated level.

Cookie Name Purpose
Google Analytics _utma

_utmb

_utmc

_utmt

_utmz

 These cookies are used to collect information about how visitors use the Website. We use the information to compile reports to help us improve the Website. The cookies collect information in an anonymous form, including the number of visitors to the Website, where visitors have come to the site from and the pages visited.

Please visit Google for further details on
Cookies & Google Analytics
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Google Analytics _ga

_gat

 Used to identify users.
Advertising cookie AID Used by Google to link your activity across devices if you’ve previously signed in to your Google account on another device.
Consent cookie cookieconsent_status Stores the user’s cookie consent state for the current domain.
Session cookie _gid Registers a unique ID that is used to generate statistical data on how the visitor uses the website.
DoubleClick cookie IDE

DSID

 These cookies is used for the re-targeting, optimisation, reporting and attribution of online adverts.
Cloudflare cookie cfduid This cookie is set by Cloudflare to identify trusted web traffic. It does not correspond to any user identity in the web application, nor does the cookie store any personally identifiable information.
WordPress cookie wordpress_test_cookie, wp-settings-, wp-settings-time- WordPress also sets a few wp-settings-[UID] cookies. The number on the end is your individual user ID from the users database table. This is used to customize your view of admin interface, and possibly also the main site interface.

Functional/Preference cookies and similar technologies

These cookies collect information about your choices and preferences, and allow us to remember things like your text size and location, so we can show you relevant content to where you are. They allow us to customize the services you have accessed. We also use these cookies to provide you with services such as video clips.

When you access and interact with our services cookies may collect certain information about those visits. For example, in order to permit your connection to our websites, our servers receive and record information about your computer, device, and browser, including potentially your IP address, browser type, other software or hardware information, and your geographic location.

Web Beacons

These are bits of data that count the number of users who access a website or webpage and can also allow us to see if a cookie has been activated. Web beacons used on web pages or in emails allow us to see how successful an article has been or that an email message was successfully delivered and read in a marketing campaign. Web beacons are also used to verify any clicks through to links contained in emails.

Flash cookies

We may, in certain situations, use Adobe Flash Player to deliver special content, such as video clips or animation. To improve your user experience, Local Shared Objects (commonly known as Flash cookies) are used to provide functions such as remembering your settings and preferences. Flash cookies are stored on your device, but they are managed through an interface different from the one provided by your web browser.

Tracking URLs

Tracking URLs are a special web link that allows us to measure when a link is clicked on. They are used to help us measure the effectiveness of campaigns and advertising.

We also use cookies and similar technologies:

  • If you access our services from a mobile device
  • We may collect a unique device identifier assigned to that device, geo-location data, and other transactional information for that device. We may also use the unique identifier to validate free trials, for example.

Usage of services

To collect, use and store information about your usage of our services, website, such as pages you have visited, content you have viewed, search queries you have run, and advertisements you have seen or interacted with.

To provide relevant content

The content on our websites and in our communications with you may be adjusted depending on what we know about the content, products and services that you like. This means we can highlight content and articles that we believe will be of interest to you. We provide personalisation by using cookies, IP addresses, web beacons, URL tracking and mobile app settings.

Managing cookies

Most modern browsers are set to accept cookies by default, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the “Help” section of your browser.

Controlling OBA cookies

The ‘Your Online Choices’ website provides more information about controlling cookie it also provides an easy way to opt out of behavioural advertising from each (or all) of the networks represented by the European Interactive Digital Advertising Alliance Your ad choices.

Controlling Flash cookies

You can manage the use of Flash technologies with the Flash management tools available at Adobe’s website, at adobe.com/devnet/flashplayer/articles/privacy.html.

Controlling web beacons

You can prevent web beacons from tracking your activity, although you won’t be able to decline receiving them in emails. For information about managing your cookie options, please click Here.

Please note that by blocking any or all cookies you may not have access to certain features, content, or personalisation available on our website.

  • Our Customers

    We’ve been helping people with their mortgage and protection needs for over 15 years. Find out what our happy customers have to say about us.

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  • Recommend Us

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  • Contact Us

    If you would like to speak to us about your mortgage and protection needs, please get in touch

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Our handy mortgage calculator

Our mortgage calculator can help you get a better idea of how much you can afford to borrow, and how much your mortgage will cost you in monthly repayments.

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Useful Resources

  • Legal and privacy information

    Your Mortgage Expert Ltd is an appointed representative of Mortgage Advice Bureau which are authorised and regulated by the Financial Conduct Authority

    FIND OUT MORE

  • 5 Reasons to use a mortgage broker

    We often get asked why use an Impartial Mortgage Broker like Your Mortgage Expert. Here’s our five top reasons.

    FIND OUT MORE

  • 5 Tips for remortgaging your property

    Adam Nanson from Your Mortgage Expert shares his top five tips for remortgaging. These will help ensure you save time, money and stress.

    FIND OUT MORE

  • 5 Reasons to remortgage your home

    Thinking about remortgaging but not sure whether it’s for you? Read our handy guide to find out if a remortgage is suitable for you.

    FIND OUT MORE

  • “This was knight in shining armour stuff. Our conscientious mortgage broker was a delight to deal with from the off and the key to our dream home.”

    Max and Martha, First Time Buyer customers from Cardiff

  • “Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”

    Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury

  • “I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me.  During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field.  This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”

    Andrew and Helen, Armed Forces Mortgage Customers from Salisbury

  • “Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”

    Fiona and Graham, Armed Forces Mortgage Customers from Wilton

  • “As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”

    Andrea, Contractor Mortgage Customer from Warminster

  • “I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”

    Matt, Contractor Mortgage Customer from Southampton

  • “Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”

    Hannah and Steve, Protection Insurance Customers from Stamford

  • “Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”

    Saul and Laura, Home Mover Mortgage Customers from Salisbury

  • “Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”

    Mike and Bethan, First Time Buyer Mortgage Customers from London

  • “Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”

    Chris, Help to Buy Mortgage Customer from Southampton

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

YOU MAY NEED TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

Our Services

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01722 322683 mortgages@your-mortgage-expert.co.uk

Monday to Friday: 9am – 5.00pm, Saturday and Sunday: Closed

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with financial institutions who can assist in the provision of financial services to you including product providers, lenders, banks, insurers, fund managers, platform providers and third party para-planners. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy: https://your-mortgage-expert.co.uk/about-us/legal-privacy-information/

Your Mortgage Expert is a trading name of Your Mortgage Expert Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Registered Office Address: 18 New Canal, Salisbury, England, SP1 2AQ. Registered in England Number: 08924507.

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