Our Contact Details

Name: Bluestone Mortgages Ltd (BML). 

Address:  Bluestone Mortgages Limited, 40 Leadenhall Street, London, EC3A 2BJ

Phone Number: 0800 368 1834  

If you want to receive a copy of the information we hold or exercise any of your information rights as explained in this notice you can submit your request using this link

If you do not wish to use this form, or if you have any concerns or complaints about our use of your information, you can contact us using the details above. If we cannot resolve your enquiry to your satisfaction, you can contact the ICO at www.ico.org.uk or by telephoning 0303 123 1113 if you have a complaint that relates to the way we have handled your personal information.

You can contact our Group Data Protection Officer by email at dataprotectionoffice@shawbrook.co.uk or by writing to them at Shawbrook Bank Limited, Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex, CM13 3BE, if you have any questions about this privacy notice.

How we use your personal data

Bluestone Mortgages Limited (we, us and our) is committed to protecting your privacy.

We have produced this notice to explain to you what personal data we have, how we get it and how and why we use that information.

For the purpose of this notice, where we refer to “you” or “your” this will also include (where the context permits, such as intermediaries/brokers) your principals, directors, shareholders, employees, contractors, and workers (together your “related parties”).

Bluestone Mortgages Limited is a wholly owned subsidiary of Shawbrook Bank Limited, with our own separate legal and regulatory status. We are registered as a data controller with the Information Commissioner’s Office (ICO) under registration number ZA142954 . Shawbrook Group PLC, Shawbrook Bank Limited (SBL) and its wholly owned subsidiaries Bluestone Mortgages Limited (BML), The Mortgage Lender Limited (TML) and JBR Capital (JBR) collectively referred to as ‘Shawbrook’ within this notice, offers products to retail and commercial customers.

Under data protection laws, we are a controller of the personal data that we collect and hold about you. This is because we decide how and why your personal data is used.

If you have made an application on behalf of another individual, a joint application with another individual, or an application on behalf of a business or other organisation and have provided us with information in relation to its directors, shareholders, owners, trustees or beneficiaries (as applicable), then this privacy notice will also apply to them. It is important that they read this notice and we will assume that you have told them that their details will be shared with us and that you have shown them this notice.

Note for Intermediaries

You should not share any related party’s personal data with us except where you have shown them a copy of this privacy notice and obtained their confirmation that they know you will share it with us for the purposes described (and where you have their consents, as relevant, for the processing described).

How to contact us

If you want to receive a copy of the information we hold or exercise any of your information rights as explained in this notice you can submit your request using this If you prefer not to use our online form or have any concerns or complaints about our use of your information, please use the details below or visit the contact us section on our website.

Personal data

You can contact our Group Data Protection Officer by email at dataprotectionoffice@shawbrook.co.uk or by writing to them at Shawbrook Bank Limited, Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex, CM13 3BE, if you have any questions about this privacy notice.

If we cannot resolve your enquiry to your satisfaction, you can contact the ICO at www.ico.org.uk or by telephoning 0303 123 1113 if you have a complaint that relates to the way we have handled your personal data.

In this notice, we will let you know more about how we use your information including

• Your information rights
• The information we process about you
• Why we process your personal data
• Who your personal data may be shared with
• How we collect and obtain your personal data
• Credit Reference Agencies
• Fraud Prevention Agencies
• International transfers of your personal data
• Automated processing
• How long your personal data will be stored for
• Keeping your information secure
• Keeping your information accurate
• How we monitor your communications
• Changes to our Privacy Notice

Your information rights

You have a number of rights which are explained below, if you wish to exercise any of these rights you can do so by using the contact details at the start of this notice. We will explain whether the right applies to you as these rights do not apply in all circumstances. You will not have to pay a fee for exercising your rights. We try to respond within one month however if we think it will take longer than one month we will notify you and keep you updated. We will need to verify your identity before we can act on any request you make to us under this notice.

Right to access

You have the right to access the personal data held about you and to obtain certain prescribed information about how we process it. This is commonly known as submitting a ‘data subject access request’.

Right to rectify your personal data

If you discover that the information we hold about you is inaccurate or incomplete, you have the right to have this information corrected.

Right to erasure

You may ask us to delete information we hold about you in certain circumstances; this is often referred to as the ‘right to be forgotten’. This right is not absolute and only applies in particular circumstances. It may not always be possible for us to delete the information we hold about you, for example, if we have an ongoing relationship with you or we are required to retain information to comply with our legal obligations or to exercise or defend legal claims.

Right to restriction of processing

In some cases, you may have the right to have the processing of your personal data restricted. For example, where you contest the accuracy of your personal data, it may be restricted until the accuracy is verified, or where the processing is unlawful but you object to it being deleted and request that it is restricted instead.

Right to object to processing

You may object to the processing of your personal data (including profiling) when it is based upon our legitimate interests or for the purposes of statistical analysis.

Right to object to direct marketing

You may also object to the processing of your personal data for the purposes of direct marketing and you can do this at any time.

Our direct marketing activities are limited to intermediaries only.

Right to data portability

You have the right to receive, move, copy or transfer your personal data to a controller which is also known as ‘data portability’. This only applies to information you have given us and if we are processing your personal data based on consent or contract and the processing is automated.

The information we process about you

The following list describes the different types of information we process about you. We explain why we process this information later in this notice:

• Identity data including first name, last name, previous names, username or similar identifier, gender, marital status, title, nationality and date of birth.
• Contact data including postal addresses, email address and telephone numbers.
• Financial data including bank account and payment card details and details of your employment, financial position, and history.
• Transaction data including details about payments to and from you.
• Identification data including passport details, driving licence or other identification documents.
• Special categories of data such as details about your health.
• Details of any criminal convictions or alleged criminal offences.
• Information that you provide to us when you contact us by any means, including by telephone and email, or when you submit queries to us. We will keep a record of correspondence and the information that you provide to us in that correspondence.
• Details of the devices you use to access our websites and how you use our websites (please see our Cookie Notice).
• Profile data including products and services you use, your interests, marketing and communications data including your preferences in receiving marketing from us, your communication preferences, feedback and survey responses. Publicly available information such as the Electoral Register, Companies House, social media, internet news articles.
• For intermediaries registered on our portal, memorable information, including names, places, schools and date of birth which we use to verify your identity.
• As part of our commitment to improving our services, we may use your personal data in generative or agentic AI systems within our operations. This enables us to improve customer support, streamline internal processes and deliver a personalised customer experience.

Why we process your personal data

The table below sets out the main ways we process your information, including for our legitimate interests. Processing necessary for the purposes of our legitimate interests, or those of a third party, is a type of lawful basis which applies to much of our processing. When we process your personal data for our legitimate interests, we make sure to consider and balance any potential impact on you and your rights under data protection laws.

Where we need to collect personal data by law, or under the terms of a contract we have with you, and you choose not to provide it, we may not be able to perform the contract we have or are trying to enter into with you. In this case, we may have to cancel a product or service you have with us, but we will notify you if this is the case at the time.

If you have any concerns about the processing below, you have the right to object to processing that is based on our legitimate interests. For more information on your rights, please see “Your Rights” section.

Reason for processing	Processing is necessary for:
Considering and processing your application We need to process your personal data in order to decide whether we can offer you the product you have applied for and to evaluate any security and/or guarantee arrangements relating to a product.	A contract we have with you, or because you have asked us to take specific steps before entering into a contract
Where you have agreed for us to be able to review your transaction data we will use this data to assess creditworthiness and affordability.	Our legitimate interests
Performing credit searches and verifying your identity We need to carry out credit searches and verify your identity before we can offer you a product or service. We also verify your identity as a donor or lender of deposit monies or as occupier of any security property to ensure that there is no conflict in respect of parties’ rights over the relevant security property.	Our legal or regulatory obligations
We also need to do this to ensure that we are acting as a responsible lender, including with regards to fraud prevention and identity theft.	Our legitimate interests
Administering your account We will use your information to administer your account in several ways which includes: ·        collecting loan repayments. ·        providing you with account statements, notices, ·        providing you with information such as changes to your interest rate. ·        managing any arrears on your account. ·        enforcing any security that we have in place. ·        dealing with any queries or complaints that you may have.	A contract we have with you, or because you have asked us to take specific steps before entering into a contract or our legal or regulatory obligations
We may also use your information in order to: ·        recover debts due to us and keeping our records updated.	Our legitimate interests
Managing our business operations and our internal governance functions We will use your information for the following purposes: ·        monitoring communications and activities in relation to your account. ·        accounting and audit purposes. ·        complying with our corporate governance requirements. ·        providing you with relevant products and services. ·        business support services.	A contract we have with you, or because you have asked us to take specific steps before entering into a contract or our legal or regulatory obligations
We may also use your personal data to measure our operations and performance against our business and compliance aims and to ensure that we are running our business in an efficient and proper way.	Our legitimate interests
Responding to your requests to exercise your legal or regulatory rights Where you have made a request relating to your legal or regulatory rights, such as those detailed in the “your information rights” section of this notice, we need to process your personal data in order to process and respond to your request.	Our legal or regulatory obligations
Performing statistical analysis and conducting market research We may analyse your personal data and conduct market research, such as by asking our customers to complete feedback surveys, to help us better understand our customer base and the markets in which we operate or may wish to operate.	Our legitimate interests
Collecting information about how you use our website See our Cookie Policy for more information.	Our legitimate interests or where we have your consent
Assisting third parties To assist intermediaries or brokers with their management operations and managing our use of third parties, which includes: a)       managing records about you. b)      ensuring the type of business that third parties refer to us is appropriate. c)       resolving any complaint made by you about a third party and/or any dispute between you and us regarding a third party.	Our legal or regulatory obligations
We may also need to process your personal data to ensure that the third party is fulfilling the terms of their contract with us and that we act as a responsible lender.	Our legitimate interests
Testing, improving and securing our products, services and systems We may need to process your personal data to ensure the security, efficiency and reliability of our products, services and systems.	Our legal or regulatory obligations or our legitimate interests
Facilitating your entry into our competitions Where you have entered one of our competitions, we may need to process your personal data to facilitate your entry and administer the prize draw.	A contract we have with you, or because you have asked us to take specific steps before entering into a contract
Facilitating your attendance at an event hosted by us Where you have registered to attend on our events, we require your personal data to facilitate your attendance.	Our legitimate interests
Making reasonable adjustments to our processes We may record information relating to your health or personal circumstances where we need to make reasonable adjustments to our processes.	Our legal or regulatory obligations or where we have your explicit consent.

Criminal Conviction and Special Category Data

We will only process personal data relating to criminal convictions or offences and alleged offences where the law permits us to do so e.g. to perform checks to prevent and detect crime and to comply with laws relating to money laundering, fraud, terrorist financing, bribery and corruption and international sanctions or where we have your consent to do so.

Data protection law defines certain types of information as ‘special category data’. This includes details about your health and medical conditions. We will only process special category data where we have obtained your explicit consent to do so or another lawful basis exists, for example, where it is necessary for reasons of substantial public interest, such as to safeguard the economic well-being of individuals, preventing or detecting unlawful acts or preventing fraud.

Withdrawing Consent

Where we rely on your consent, you have the right to withdraw your consent at any time. Please submit your request here if you wish to do so.

How we collect and obtain your personal data

We collect your personal data directly in several ways, including:

• when you apply for a mortgage product through an intermediary;
• when you provide it by telephone, in writing or by any other method of communication, for example by email or through our online portal, or when you provide it through the course of our relationship, for example, if you inform us of a change in your circumstances;
• information you make public when you interact with our social media profiles or reference Shawbrook or its subsidiaries in your communication; and
• technical information, including the Internet Protocol (IP) address used to connect to the internet, may be collected from you when you visit our website.

We obtain your personal data indirectly from third parties including:

• information you have asked us (or a third party) to collect for you, for example, information about your accounts or holdings with other companies including transaction information;
• through one of our partner organisations (for example, a credit broker, a supplier of retail, home improvement, motor or holiday ownership goods and services or a provider of investment or wealth management services) on their website, in-store, or if you visit their office or if they visit your home;
• comparison websites;
• following an introduction to us by another third party, such as an accountancy firm, law firm or management consultancy;
• if another person provides your information to us when they apply to obtain a product from us on your behalf; or that is to be held jointly with you; or on behalf of a business, charity, trust or other organisation of which you are a director, shareholder, owner, trustee or beneficiary (as applicable);
• from fraud prevention agencies, credit reference agencies, tracing and debt recovery agents, government bodies and agencies, the electoral roll, Companies House and other sources of publicly available information (e.g. sanctions list, media) when we carry out searches for the purposes of processing your application and/or during your relationship with us;
• if you occupy a property which we hold or propose to hold as security.

If you are applying to us indirectly through a third party, then they should have provided you with their own privacy notice and if they did not, you should ask them for a copy.

Who your personal data may be shared with

So that we can provide you with products and services, meet our legal obligations and manage our business, it may be necessary to share your personal data with other third parties including:

• Shawbrook parent entities for the purposes of enabling our parent entities to exercise oversight of our business.
• Anyone acting on your behalf with authority to do so, such as a debt charity, insolvency practitioners, The Insolvency Service, power of attorney or your professional advisors.
• Credit reference agencies (CRAs), fraud prevention agencies and law enforcement agencies.
• Debt collection agencies to seek to recover any debt owed to us.
• Agents or third party contractors including data processors who we appoint to administer or operate your account, including any person who may replace us in the administration of your account.
• Other financial service companies, such as other lenders.
• Our insurers.
• Legal and regulatory bodies, such as the Financial Conduct Authority (FCA), the Prudential Regulation Authority (PRA), HMRC, the Information Commissioner’s Office (ICO), the UK Financial Services Compensation Scheme (FSCS), the Financial Ombudsman Service (FOS), our professional advisors and/or the courts.
• Organisations that provide us with business support services. For example, account service and administration companies, back-up and server hosting, IT software and maintenance platforms, document storage and management services, receivers, repossession agents, recoveries agents and property valuers.
• Third parties who have introduced you to us or are involved in the introduction process (e.g. an intermediary, broker, network, or Mortgage Club).
• Market research organisations who we engage to assist us in developing and improving our products and services.
• Any person or entity that is to provide, or has provided, any security or guarantee (and their professional advisors) in respect of your agreement with us and their professional advisors.
• Any entity (and their professional advisors) that provides funding to us or members of the Shawbrook (for example, the Bank of England) and any entity that provides us with debt or equity finance.
• Our PR and Communications partners when you enter our prize draws.
• Payment service providers whose services include money laundering and credit checks.
• Any purchaser or potential purchaser of any part of our business in the event that Bluestone Mortgages or Shawbrook, or part of its assets were to be acquired by a third-party .
• Payment service providers whose services include money laundering and credit checks.

We may share your information with any person that you have authorised to engage with us on your behalf or that otherwise has a legal authorisation to do so. This includes parents/guardians, carers, or any other helpers where you are unable to handle your own affairs for example power of attorney. We may share your information with any organisation you have appointed to act on your behalf or authorised to receive your information, such as law firms and claims management companies.

Please note that our website may contain links to other third-party websites. These websites will not be governed by this notice and we therefore recommend that you read the privacy and cookie notices on the other websites you visit.

Credit reference Agencies (CRAs)

To process your application, we will perform credit and identity checks on you with one or more CRAs. Where you have a mortgage with us we may also make periodic searches at CRAs to manage your account with us. To do this, we will share your personal data with CRAs and they will give us information about you. This will include:

• Identity and contact data;
• Information from your credit application;
• Information about your financial situation and financial history;
• Public information (including the electoral register);
• Shared credit details; and
• Fraud prevention information.

We will use this information to:

• Assess your creditworthiness and whether you can afford to take the product;
• Verify the accuracy of the data you have provided to us;
• Prevent criminal activity, fraud and money laundering;
• Manage your account(s);
• Trace and recover debts; and
• Ensure any offers provided to you are appropriate to your circumstances.

We will continue to share information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs. When CRAs receive a search from us they will place a search footprint on your credit file that maybe seen by other lenders.

If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until you or your partner successfully files for a disassociation with the CRAs to break that link.

The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal data, data retention periods and your data protection rights with the CRAs are explained in more detail in the CRA information notice (CRAIN) which is accessible from each of the three CRAs:

TransUnion (formerly Callcredit)

Equifax

Experian

Fraud Prevention Agencies

The personal data we have collected from you will be shared with fraud prevention agencies to help us make credit related decisions. Fraud prevention agencies will also use your personal data to prevent fraud and money-laundering and to verify your identity.

We may automatically decide that you pose a fraud or money laundering risk because of our fraud prevention searches or if our processing reveals your behaviour to be consistent with that of known fraudsters or money launderers, or is inconsistent with your previous submissions, or you appear to have deliberately hidden your true identity.

If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested, or to employ you, or we may stop providing existing services to you. A record of any fraud or money laundering risk will be retained by the fraud prevention agencies and may result in others refusing to provide services, financing or employment to you.

International transfers of your personal data

We will only transfer your information outside the United Kingdom (“UK”) when the law permits us to do so. We usually do this in order to share your personal data with organisations who provide us business support services or our professional advisors.

Should we transfer your personal data to any other territories or countries outside the UK we ensure appropriate safeguards are in place, where required, to maintain the same levels of protection as are needed under data protection laws in the UK.

Automated Processing

We use systems to make automated decisions about you or your business when:

• You apply for a mortgage we undertake credit checks to assess creditworthiness and affordability.
• We carry out assessments to help decide if your account(s) may be being used for fraud or other Financial Crime;
• We undertake anti-money laundering and sanctions checks; and
• We verify your identity.

Our automated decisions use profiling which means that we use your personal data to make decisions that can affect the products, services or features we may offer you now or in the future, or the price that we charge you for them. For example, if you do not meet an element of our lending criteria (such as being over 18 or being a resident in the UK) any application for credit will be automatically declined. If you do meet our lending criteria, the amount we lend, the term of your loan and the interest we charge on your loan will be determined by your credit status.

Reviewing an Automated Decision

• You may have rights over automated decisions depending on the lawful basis upon which we process your information.
• You can ask that we do not make our decision based on output of the automated process alone.
• You can object to an automated decision and ask that a person reviews it.

For more information or to exercise these rights please submit your request here.

How long your personal data will be stored for

Except as otherwise permitted or required by law or regulation, we will only retain your personal data for as long as necessary to fulfil the purposes we collected it for (as described in this privacy notice), as required to satisfy any legal, accounting, or reporting obligations, or as necessary to resolve disputes. This will be for a minimum of 6 years from the date our legal relationship with you has ended (for example, after a service has ended, a transaction has completed, or your account has closed and there are no outstanding matters to be addressed, such as a payment or complaint). If your application is declined, we will store your personal data in accordance with our record retention procedures and to comply with our legal obligations.

To determine the appropriate retention period for personal data, we consider applicable legal requirements, the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes we process your personal data for, and whether we can achieve those purposes through other means. In some circumstances, we may anonymise your personal data so that it can no longer be associated with you.

 

Keeping your information secure

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Keeping your information accurate

We strive to ensure that your personal data is kept up to date and accurate. If any of the personal data you have given to us or third parties changes, such as your contact details, homeownership status, employment status or marital status, please promptly inform us in accordance with the terms and conditions of your agreement with us.

You will be required to provide us with any changes to your personal data under the agreement you enter into with us if your application for a credit or savings product is accepted. If you fail to do so this will put you in breach of your agreement.

How we monitor your communications

Subject to applicable laws, we will monitor and record calls, emails, text messages, social media messages and other communications. We will do this for the purposes of complying with applicable laws and regulations and our own internal policies and procedures, to prevent or detect crime, to protect the security of our communications systems and procedures and for quality control and staff training purposes

Changes to our Privacy Notice

We keep this Notice under regular review and any updates will be posted on our website in the most recent version of the Privacy Notice. Where appropriate changes may be notified to you by post or email.

 

Last updated: August 2025