Thomas Anthony @ JLM is a trading style of JLM North London Ltd. which is an Appointed Representative of JLM Mortgage Network Ltd, which is authorised and regulated by the Financial Conduct Authority, Registration Numbers 1043421 and 300629.

You can check this on the FCA’s Register by visiting the website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.

JLM North London Ltd. registered office: 122 Whinbush Road, Hitchin Hertfordshire SG5 1PN. Registered company number 13397178. Registered in England & Wales

Client Classification

Thomas Anthony @ JLM classifies all clients as ‘consumers’ for both mortgage and non-investment insurance business, which means you are afforded all protections under the rules of the Financial Conduct Authority.

Should we need to classify you differently we will discuss this with you, however, you should be aware that you may lose a number of regulatory protections which will be outlined in a revised agreement.

 

Our Commitment to You

Prior to providing you with any advice we will take time to understand your current needs, circumstances and attitude to risk (where applicable). Any advice provided will be confirmed to you in writing.

Thomas Anthony @ JLM takes all our regulatory responsibilities very seriously and we ensure that all our staff are required to demonstrate their competence to undertake their role and our business is structured in a manner that is designed to meet in full all the requirements set by our regulator, the Financial Conduct Authority.

Client Money

Thomas Anthony @ JLM does not handle clients’ money.  We never accept a cheque made out to us (unless it is a cheque in settlement of charges or disbursements for which we have sent you an invoice) or handle cash.

Introductions to a Third Party

We may receive a fee for making introductions to third party product or service providers.

When acting as an introducer, marketer or promoter of a scheme, no responsibility is accepted for any matters arising from the referral to the scheme product provider. It is your responsibility to ensure that you enter into separate Terms & Conditions with the third-party advisor.

Data Protection

Full details of our Data Protection policy are provided at the end of this document and can also be found at https://jlmmortgages.co.uk/privacy-notice/

 

MORTGAGE SERVICES

Whose Products We Offer

We offer a comprehensive range of mortgages from across the market. However, we may not able to offer certain products that can only be obtained by going direct to a lender. We may also be able to access some products which are not available direct to consumer.

Alternative Finance Options

We offer the following alternative finance options:

• A further advance from an existing lender
• Consumer buy to let mortgage
• Secured loan/second charge mortgage
• A re-mortgage
• Bridging finance

Which Service Will We Provide You With?

We will advise and make a recommendation for you after we have assessed your needs.

What Will You Have to Pay Us for This Service?

For standard cases, we will charge a fee of £495 when we arrange your mortgage.

This fee is due once you receive your offer. We will also be paid commission by the lender.

For more complex cases, we will charge a fee of £695 when we arrange your mortgage.

This fee is due once you receive your offer. We will also be paid commission by the lender.

A complex case is defined as a mortgage for a client who is newly self-employed, or who has complex income, or who may have had adverse credit or has non-standard lending requirements.

For highly complex cases, we will charge a fee of up to 1.00% of the loan. For example, on a mortgage of £850,000 a fee of £8,500 will be payable. This fee is due once you receive your offer. We will also be paid
commission by the lender.
A highly complex case is defined as a mortgage for clients who may be living abroad, who require development finance, or who require a bespoke solution to a highly complex finance need.

You will receive an illustration when considering a particular mortgage, which will tell you about any fees relating to
it. We will confirm which fee scale will apply before making an application.

Refund of Mortgage Fees

In the event that you do not proceed with a mortgage that has gone to offer, the fee must be paid within 14 days.

NON – INVESTMENT AND GENERAL INSURANCE SERVICES

Non-Investment and General Insurance Permissions

Thomas Anthony @JLM is permitted to advise on and arrange (bring about) deals in non-investment and general
insurance contracts.

We are an insurance intermediary and act on behalf of clients and not insurers.

Non-investment Insurance Services

We offer a personal recommendation on the basis of a fair and personal analysis of the market

What Will You Have to Pay Us for This Service?

No fee, we will be paid commission by the provider.

CONFLICTS OF INTEREST

We have a legal and regulatory obligation to take all appropriate steps to identify and to prevent or manage conflicts of interest from arising.  In the event of any of our business interests or activities creating a potential conflict of interest we will ensure that we take all appropriate steps to manage the potential conflict by maintaining robust
systems, controls and staff training. 

In the unlikely event that we are unable to prevent the potential conflict, we will fully disclose to you, the general nature and/or sources of conflicts of interest and the steps taken to mitigate
those risks.

Further details of our conflict-of-interest policy are available upon request.

IMPORTANT INFORMATION

Overseas clients – non-EEA territories:

All advice is regulated under UK law and regulation and should be deemed to have taken place in the UK.

By proceeding with advice or any recommendation or mortgage application via JLM, you are thereby confirming that you accept these terms and that any dispute, expression of dissatisfaction or legal action will need to follow the process required by the UK regulators and will be dealt with through the UK courts and governed by UK law.

Complaints

If you wish to register a complaint, please contact JLM Mortgage Network;
– In writing; The Compliance Manager, JLM Mortgage Network Ltd. 21a Churchyard, Hitchin, Hertfordshire
SG5 1HP
– By email: compliance@jlmms.co.uk
– By phone: 01462 455 655
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. You can;
– Visit the website and fill out the online form http://www.financial-ombudsman.org.uk
– Write to Exchange Tower, Harbour Exchange, London E14 9SR
– Email: complaint.info@financial-ombudsman.org.uk

Compensation Arrangements

We have briefly set out some information about the Financial Services Compensation Scheme (FSCS) below. If you would like further information about compensation scheme arrangements, details are available at  www.fscs.org.uk
or call 0800 678 1100.

Most of the products we advise on are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if product providers or we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

The actual level of compensation you receive will depend on the basis of your claim. The FSCS only pays compensation for financial loss. Compensation limits are per person per firm, and per claim category (listed below).

Protection and non-Investment Insurance mediation Protection is at 100% without limit, where the claim is in relation to a long-term care insurance contract that is a
pure protection contract, or the claim is in respect of a liability subject to compulsory insurance.

In all other cases: 90% of the claim without limit. Mortgages Mortgage advising and arranging is covered for 100% of the first £85,000, so the maximum compensation is £85,000 per person per firm.

(Please note that the FSCS does not cover buy to let mortgages)

DATA PRIVACY NOTICE

Introduction

As a controller, JLM Mortgage Network (“JLM”, “we”, “us”, “our”) comply with all applicable data protection and privacy legislation in force from time to time including the UK General Data Protection Regulation, the EU General Data Protection Regulation (where applicable) (together the “GDPR”) and the Data Protection Act 2018. (“DPA18”).

This privacy notice details how we process your personal data. JLM may appoint professional Registered Individuals to provide our services to you. In this instance, whilst entered into the business relationship, the Registered Individual is joint controller of the personal data they process.

Under the UK GDPR we are required to notify the Information Commissioner’s Office (“ICO”) about our use of personal data. You can view our current controller registration on the ICO website here:

https://ico.org.uk/ESDWebPages/Entry/ZC092499

We place great importance on ensuring the quality, confidentiality, integrity and availability of the data we hold and in meeting our data protection obligations when processing personal data. JLM is committed to protecting the security of your personal data. We use a variety of technical and organisational measures to help protect your personal data from unauthorised access, use or disclosure.
We collect personal data about a range of people:
• Visitors to our websites
• People who contact us (enquirers)
• Clients (including clients of the businesses operating under us)
• Contractors and suppliers
If you are applying, or have applied to work with us, please refer to our job applicant privacy notice.

What personal information we process

We process personal information to act as an intermediary for financial transactions; typically to advise and apply for property finance such as mortgages or similar for clients. The same applies to advising and arranging insurance policies.

To understand how any personal information other than that provided to us through this website is processed you will need to refer to any personal communications you receive from us, check any privacy documents provided when entering into a contract with us, or contact us to ask about your personal circumstances.

Enquirers

When you contact us, we ask for some personal information.

You are under no obligation to provide this information to us. Providing that information, enables us to give you the right information or services that you ask for, or notify you of further information required to facilitate that service.

If we would like to use your information for any other purpose than those stated above, we will contact you.

As a minimum, we will hold your name and phone number for the purposes specified above. If you do not become a client of ours, your information will be erased in line with our retention policy.

Visitors to Our Website

We use Google Analytics on our website to provide statistics to help us give visitors the best experience when using our sites. IP addresses are collected to see how users interact with our site. Our website uses cookies, which is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns.

We use cookies to help identify and track visitors and their website access preferences.

Website visitors can control which types of cookies are placed on their browser by adjusting the cookie settings in the cookie controller button, which can be found at the bottom left-hand corner of our website.

The Virtual Adviser

We use your details to produce a mortgage illustration and confirm where the illustration should be sent. Mortgage products are sourced through a variety of sources, including Twenty7Tec. Upon receipt of your illustration, you will be able to choose if you want to be contacted by one of our advisers. Our advisers will discuss your eligibility for the illustrated mortgage product and confirm how you would like to proceed. We will not contact you without your prior consent.

Our Clients Views

We want to receive your views on the service you received from us and any improvements you think are necessary.

We use Trustpilot® as a data processor to collect feedback from our customers on our behalf and to support our marketing activities. If this is something you agree to help us with, we will share your name and email address with Trustpilot® in order to generate a review invite and confirm you are a verified customer of JLMMS.

Regulatory Functions and Reporting

Issued Feb 2026 – As a regulated firm we are required to retain and provide information to the FCA regularly. We must also share regulatory data with our principal firm, JLM Mortgage Network. Most of the information is provided to us under the Financial Services and Markets Act 2000.

Purposes & bases for using your personal data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal information in the following purposes and lawful bases:

Sharing your information

We sometimes need to share the personal information with other organisations. Where this is necessary, we are required to comply with all aspects of the UK GDPR.

What follows is a description of the types of organisations we may need to share some of the personal information we process with for one or more reasons. Where a joint application is made, we are not able to restrict data sharing between applicants.

JLM will only collect the information needed so that it can provide you with marketing and consulting services. We do not sell or broker your personal data.

Where Necessary or Legally Required We Share Information With:

• Associates and representatives of the person whose personal data we are processing, including but not
  limited to; estate agents (if you were introduced to us by one of our agent partners), solicitors, accountants
  and other professionals.
• Financial organisations
• The Financial Conduct Authority (FCA)
• The Financial Ombudsmen Service (FOS)
• Law enforcement and prosecuting authorities
• Credit reference agencies
• Debt collection and tracing agencies
• Other companies within the same group
• Our service providers
• Courts and tribunals
• Undertaking research
• Consulting and advisory services
• Our professional advisers
• HMRC

 

Further Disclosure

We may, on occasion, pass your personal information to third parties exclusively to process work on our behalf; for example, a data destruction provider. We always require these parties to agree to process this information based on our instructions and requirements consistent with this Privacy Notice and UK GDPR.

How we protect your data

JLM takes the security of your data seriously. We have internal policies and controls in place to ensure that your data is not lost, accidentally destroyed, misused, or disclosed, and is not accessed except by our employees in the performance of their duties.

Where we engage third parties to process personal data on our behalf, they do so on the basis of written instructions, are under a duty of confidentiality and are obliged to implement appropriate technical and organisational measures to ensure the security of the data.

Registered Individuals

When in a business relationship with JLM, both the Registered Individual and JLM are joint controllers of the client data they process.

During this time, all data subject rights requests or incidents affecting personal data security will be dealt with jointly by both JLM and the Registered Individual, in a transparent manner, with respective responsibilities for data protection compliance obligations agreed upon at the time of the request/incident.

Upon termination of our business relationship, both JLMMS and Registered Individuals as independent controllers assume full control of client personal data and the subsequent data protection compliance obligations.

How long we retain personal data

To ensure we meet our legal, regulatory and customer obligations, we will retain client information for the following periods.

• An introductory enquiry from a person who we only have limited interaction with is retained for 90 days.
• Any survey information gathered from enquirers or clients is retained for 18 months.
• Any mortgage enquiry, mortgage application and mortgage completion is retained in perpetuity.
• Any life or critical illness insurance product enquiry, insurance product application and insurance policy
  completion is retained in perpetuity.
• International transfers

It is unlikely that we will ever share your personal data outside the UK or European Economic Area. (the EU member states plus Norway, Iceland and Liechtenstein) (“EEA”). If, however, it becomes necessary for the purposes of providing our services to you, we will only share it with organisations in countries benefiting from a European Commission (“EC”) adequacy decision, approved by the UK ICO, or on the basis of EC Standard Contractual Clauses, approved by the UK ICO, which when reinforced with additional supplementary measures, contractually oblige the recipient to process and protect your personal data to the standard expected within the UK and EEA.

Your rights

At any point whilst JLM is in possession of, or processing your personal data, all data subjects have the following rights:

• Right of access – you have the right to request a copy of the information that we hold about you
• Right of rectification – you have a right to correct data that we hold about you that is inaccurate or
  incomplete
• Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records
• Right to restriction of processing – where certain conditions apply you have a right to restrict the processing
  of your personal data
• Right of portability – you have the right to have the data we hold about you transferred to another
  organisation
• Right to object – you have the right to object to certain types of processing such as direct marketing
• Right to object to automated processing, including profiling – you have the right not to be subject to the legal effects of automated processing or profiling

You have the right to access your personal information (subject to certain exemptions). If you wish to find out what information we hold that relates to you, please contact us; details below.

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive.

Alternatively, we may refuse to
comply with the request in such circumstances.

In the event we refuse your request under rights of access, we will provide you with a reason why, which you have
the right to legally challenge.

Automated decision making

We do not make client or supplier decisions based solely on automated decision making.

Contact us

This privacy notice does not provide exhaustive detail of all aspects of the collection and use of personal information. However, we are happy to provide any additional information or explanation needed. If you have any
questions or complaints, please contact us at:

Data Protection Manager
JLM Mortgage Network,
21a Churchyard,
Hitchin
Hertfordshire
SG5 1HP
Telephone 01462 455 655 or email compliance@jlmms.co.uk
We have also appointed an independent Data Protection Officer at data protection consultants, Evalian Limited, who can be contacted by email at dpo@evalian.co.uk .

What if I am still not satisfied?

If you are not satisfied with how JLM has responded to your enquiry, you have the right to complain to the Information Commissioner’s Office (ICO), who is the regulator for data protection in the United Kingdom: https://ico.org.uk/for-the-public/

Changes to this privacy notice

We update this notice from time to time in response to changes in applicable laws and regulations, to our processing practices and to the products and services we offer. When changes are made, we will update our notice on https://jlmmortgages.co.uk/privacy-notice/. Please review this notice periodically to check for updates.