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About our Mortgage service

International Property Finance Group · Fujairah Creative Zone, Fujairah Media Group, Creative Tower Fujairah, UAE · PO Box 4422

Please read this Initial Disclosure Document carefully. You'll confirm you've read it before starting the Fact Find.

1. About this document

This document has been designed to ensure consumers have all the necessary information about the services being offered and how those services will be paid for. It is an important document so please ensure you read this carefully.

2. Whose products do we offer?

First Charge Mortgages

☐We are not limited in the range of first charge mortgages we will consider for you including deals that you can only obtain by going direct to a lender. We offer products for personal & business purposes.

☑We offer Whole of Market mortgage advice but not deals that you can only obtain by going direct to a lender. We offer products for personal & business purposes.

☐We only offer first charge mortgages from a limited number of lenders, but not deals that you can obtain by going direct to a lender. We offer products for personal & business purposes.

☐We only offer first charge mortgages from a single lender but not deals that you can obtain by going direct to a lender. We offer products for personal & business purposes.

Second Charge Mortgages

☑We offer second charge mortgages.

3. Which service will we provide you with?

First Charge Mortgages

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

☐You will not receive a recommendation from us. You have decided to select your own product and we have explained the implications of this. You will receive an illustration which will tell you about any fees relating to a particular product.

4. What will you have to pay us for our services?

First Charge Mortgages – International Mortgages

☐No fee payable.

☑We will charge an initial service fee of £995.00 which will be requested to obtain lender pre-approval, and a final service fee of £500.00 which will be requested upon receipt of your mortgage offer.

☑We will retain commission from the Lender.

5. What to do if you have a complaint

If you wish to register a complaint, please contact us:

By email: info@internationalpfg.com · By phone: 01935 722 920

I confirm I have read and understood the information above about International Property Finance Group's mortgage service, the products offered, the fees payable and the complaints process.

Tick the box above to continue to the Privacy Notice.

Privacy Notice

International Property Finance Group · last updated 19 August 2025. Please read this Privacy Notice carefully and confirm below before continuing to the Fact Find.

Our Privacy Policy – your rights, your information and how we use it

Our Privacy Policy contains important information about what personal details we collect; what we do with that information; who we may share it with and why; and your choices and rights when it comes to the personal information you have given us.

We may need to make changes to our Privacy Policy from time to time and if we make any material changes then we will make the updated Privacy Policy available to you on our website or by other means.

Who we are

We are International Property Finance Group and your privacy is very important to us. References to “we”, “our” and “us” are references to International Property Finance. We are a controller and processor of your personal data under applicable data protection laws, including the GDPR. As a Data Controller, we determine why and how we collect and use your personal data.

Information we collect and use

We collect and process personal data such as:

Your name, date of birth, residential and email address, contact telephone numbers, national insurance number, passport number / driving licence number, country of residence for tax purposes, nationality, bank account details, details of your assets and liabilities, income and expenditure, and occupation.
Information about your contact with us, e.g. meetings, phone calls, emails and letters.
Information that is automatically collected, e.g. via cookies or IP addresses when you visit our website.
Information classified as Special Category (sensitive) Data (see below), collected only where needed to provide a recommendation, product or service you have requested, or to comply with our legal obligations.
Information you may provide about other people, e.g. joint applicants.
Information on children, e.g. where a child is named as an occupant of the property. In these cases we collect only the information required to identify the child (such as their name, age and gender).
Any other information asked for in lender and product provider application forms and related documents.

Special Category Data

In the course of your interactions with us you may share information classified as ‘Special Category Data’. This could include information about race, ethnic origin, politics, religion, trade union membership, genetics, biometrics, health, sex life or sexual orientation.

Where you share information relating to any of these categories, e.g. about your health or a characteristic of vulnerability, International Property Finance will seek explicit consent from you to store and process such information.

Where we collect your information

We may collect your personal information directly from you and from a variety of sources including meetings with one of our advisers; telephone conversations; emails or letters you send us; an application form for a product or service; our website; your existing product providers; and any other professional advisers, e.g. your accountant or solicitor.

What we collect and use your information for

We take your privacy seriously and we will only ever collect and use your personal information where it is necessary, fair and lawful. We will collect and use your information where you have given us your permission (consent) to send you information which may be of interest and benefit to you, which you may withdraw at any time; where it is necessary to provide advice and arrange mortgage funding or an insurance product; or where it is necessary to meet our legal or regulatory obligations, e.g. the detection and prevention of fraud and other financial crime.

It is in the legitimate interests of International Property Finance Group to deliver advice, information and guidance so you are aware of the options that will help you get the best outcome from our dealings with you; to better understand you and your needs so we can send you relevant communications about product updates; to mitigate business and operational risks, comply with internal policies, investigate, detect and prevent fraud and other crime, ensure information security, purchase services from third parties which support us in complying with our regulatory and legal obligations, and protect International Property Finance Group's interests including legal rights and claims; and where it is in the legitimate interests of a third party, e.g. sharing information with your accountant, solicitor or a third party financial services firm. A balancing test is carried out to ensure the use of your personal data will not be overridden by your interests or fundamental rights and freedoms.

If you do not wish us to collect and use your personal information in these ways, it may mean we are unable to provide you with an appropriate recommendation, information and guidance, or indeed maintain our relationship with you. If we ask you to provide personal information to comply with a legal requirement, or to allow us to enter into or perform a contract with you, then we may reject or delay dealing with you until the relevant information is received to our satisfaction, e.g. for Anti-Money Laundering, Know Your Customer, source of wealth or tax purposes.

Who we might share your information with

We may share your information with third parties for the reasons outlined above. These third parties include: with your consent, your accountant, solicitor, employer or a financial adviser; companies we have chosen to support us in the delivery of our services, e.g. research, consultancy or information technology companies, or companies who help us in our contact with you such as an internet service provider; our regulators and Supervisory Authority, the Financial Conduct Authority (FCA), and the Information Commissioner’s Office for the UK (ICO); and law enforcement agencies for the prevention and detection of crime.

We will never sell your details to someone else. Whenever we share your personal information, we will do so in line with our obligations to keep your information safe and secure.

Where your information is processed, protected and stored

Your information is processed in the UK and the United Arab Emirates (UAE).

To protect the security of your information we implement appropriate technical and organisational security measures, which include physical and technical security safeguards, and we ensure that adequate policies, procedures and controls are in place within our organisation.

Your data is stored electronically on a cloud encrypted server based in the United Kingdom. No data will be stored on computer hard drives or removable devices such as CDs, DVDs or memory sticks.

How long we keep your information

We will keep your personal information only where it is necessary to provide you with our services while you are a customer. We will keep your data whilst we are carrying out services for you, and for 6 years after financing or insurance has been arranged for you. Once the arrangements are in place, data will be stored but not processed in any way, unless we are required to do so for legal reasons. Deletion of data which is no longer required to be kept will be carried out in conjunction with our IT support services company and third party suppliers, such as our client management system supplier.

Your individual rights

You have several rights in relation to how International Property Finance Group uses your information. They are:

Right to be informed – to receive clear and easy to understand information on what personal data we have, why and who we share it with, which we do via this Privacy Notice.
Right of access – to request a copy of the personal information we hold about you by making a data subject access request (DSAR). There is no charge for this and we will supply the information within 30 days.
Right to rectification – if your personal information is inaccurate or incomplete, you can request that it is corrected.
Right to erasure – you can ask for your personal data to be removed from our records if there is not a compelling reason for us to keep it.
Right to restrict processing – you can ask that we block or suppress the processing of your personal information for certain reasons. This means we are still permitted to store your data, but only to ensure we do not use it in future for those reasons you have restricted.
Right to data portability – you can ask for a copy of your personal information for your own purposes to use across different services. In certain circumstances you may move, copy or transfer the personal information we hold to another company in a safe and secure way.
Right to object – you can object to us processing your personal information where it is based on our legitimate interests (including profiling); for direct marketing (including profiling); and if we were using it for scientific or historical research and statistics.

Marketing

International Property Finance Group 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.

We would like to send you information about our services that we think you might like. If you have agreed to receive marketing material, you may opt out of this at any point in the future.

Cookies

International Property Finance Group uses cookies on our website to collect anonymous information about how visitors use our site. Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information. This information is then used to help improve the site and give you the best possible experience.

We understand that under the Privacy and Electronic Communications Regulation (PECR) opt-in consent is required when these types of cookies are used. For further information, visit www.allaboutcookies.org.

We use cookies in a range of ways to improve your experience on our website, including keeping you signed in and understanding how you use our website. 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.

Changes to our privacy policy

International Property Finance Group keeps its privacy policy under regular review and places any updates on its web page.

How to contact us and make a complaint

To exercise your individual rights, or if you have any questions about our Privacy Policy or the information we collect or use about you, please contact the Data Protection Officer, International Property Finance Group — info@internationalpfg.com — 01935 722 920.

We will always collect, use and safeguard your personal information in line with data protection laws. If you do not believe we have handled your information as set out in this Privacy Notice, please email us at info@internationalpfg.com and we will do our utmost to make things right.

I confirm I have read and understood International Property Finance Group's Privacy Notice, including how my personal data is collected, used, shared, stored and my individual rights.

Tick the box above to continue to the Fact Find.