Important Mortgage Information

In relation to any mortgage application that you make (whether this is an application in principle and/or a full application) please note that the Society will consult at least one database to determine whether you can afford the proposed mortgage. In order for the Society to properly assess whether you can afford the proposed mortgage you will be asked to provide certain information and evidence during the mortgage application process. You must ensure that all of the information and evidence that you supply is accurate and complete. If the Society is unable to carry out an assessment of whether you can afford the mortgage because you have chosen not to provide the information and evidence it has requested, then the Society will be unable to provide you with any proposed mortgage.

If you are a direct mortgage applicant(s) please ensure that you read the contents of this page and please view our ‘Required Documentation Checklist’ below before proceeding with any application:

View our 'Required Documentation Checklist'

If you are an intermediary, please ensure that you communicate the contents of this page to your client(s) and please view our ‘Minimum Submission Requirements’ before proceeding with any application:

View our 'Minimum Submission Requirements'

It is important that you read the section below entitled Use of Personal Information (including the information regarding credit reference and fraud prevention agencies). For your own benefit and protection you should read this section carefully before proceeding with any mortgage application (whether this is an application in principle and/or a full application). If you do not understand any point please ask for further information by calling 0113 216 7353.

By making a mortgage application (whether this is an application in principle and/or a full application) you give permission to Leeds Building Society to make enquiries of, or obtain a reference from, any employer/accountant/bank/landlord/mortgagee or credit reference agency and authorise any of these to supply a reference to the Society.

Use of Personal Information

Your Mortgage Application and Management of your Account

Before submitting any information to us, please note; (i) in order to prevent or detect fraud, any and all information provided by you will be shared with fraud prevention agency/ies; (ii) if false or inaccurate information is provided and fraud identified details will be passed to fraud prevention agency/ies to prevent fraud and money laundering; and (iii) you can obtain further details explaining how information held by fraud prevention agencies may be used by writing to Financial Crime Prevention Team, Leeds Building Society, 105 Albion Street, Leeds LS1 5AS or by calling 0113 216 7353.

In considering your mortgage application, we will search your record at credit reference agencies who will supply us with information, including information from the Electoral Register. We reserve the right to repeat this search should we deem it necessary during your mortgage application. The agencies will record this search whether or not this application proceeds. Information which is provided to us and/or the credit reference agencies about you and those with whom you are linked financially, may be used by us and other companies if credit decisions are made about you, or other members of your household.

If you are making a joint application or tell us that you have a spouse or partner, we and credit reference agencies will link information held about you with records relating to those with whom you are or have been financially linked or associated. For the purposes of your application you may be treated as financially linked or associated and your application will be assessed with reference to any ‘associated’ records.

By stating a financial association with another party, you are declaring that you are entitled to disclose information about your joint applicant and/or anyone else referred to by you and you authorise us to search, link, and/or record information at credit reference agencies about you and/or anyone else referred to by you. An ‘association’ between joint applicants and/or any individual identified as your financial partner will be created and credit reference agencies will link your financial records. You and anyone else with whom you have a link should understand that each other’s financial information will be taken into account in all future applications by either or both of you. This link will continue until one of you successfully files a ‘disassociation’ at the credit reference agency/ies.

As a result of your application, the credit reference agencies will add to your record details of our search and your application. We will also add to this record details of your account should your application progress to an account. If you do not repay in full and in time, we may tell the agencies who will record the outstanding debt. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may also access and use this information.

We and other organisations may also access and use this information to prevent crime, fraud and money laundering, for example when:

  • Checking details provided on applications for credit and credit related or other facilities.
  • Managing credit and credit related accounts or facilities.
  • Cross checking details provided on proposals and claims for all types of insurance.
  • Checking details on applications for jobs or when checked as part of employment.

With the information we obtain, we will (as applicable):

  • Assess this mortgage application;
  • Verify your identity and the identity of your spouse or partner;
  • Trace your whereabouts and recover debts that you owe;
  • Conduct other checks to prevent or detect fraud;
  • Use automated scoring methods to assess this application and to verify your identity;
  • Manage your account with us;
  • Undertake periodic statistical analysis and system testing.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Please contact us on freephone 08085 225 777 if you want to receive details of the relevant fraud prevention agencies.

This is a condensed guide to the use of your personal information by us and credit reference and fraud prevention agencies. If you would like further information, please read our “Guide to the use of your personal data” by Leeds Building Society, credit reference agencies and fraud prevention agencies. Alternatively, you can request a copy by telephoning us on 0113 216 7353.

By proceeding with your application you are agreeing to your personal information being used in this way.

Information which you provide or which we obtain through your dealings with us will be held on the Society’s computers and in other records. We may use and pass on such information as follows:

  • To subsidiary and associated companies of the Society who may use it for marketing purposes as mentioned below but only where you have given us your permission to do so;
  • To our market research partners solely for purposes of market research;
  • To any Mortgage Panel administrator for the purposes of instructing conveyancers to act for us in the registration of our Mortgage;
  • To HM Revenue & Customs, Department For Works & Pensions or our Regulators;
  • To any lender, landlord, Government Right to Buy agent or similar organisation;
  • To your Broker, Independent Financial Advisor, conveyancer or other professional advisers;
  • To anyone whom we transfer our rights and duties under our agreement with you but only where there is a contract in existence which protects the security and confidentiality of the information;
  • When required or permitted to do so by law;
  • When you have given your specific permission for your data to be used for other purposes.

We may also disclose information about your financial standing and the mortgage you have applied for (including information contained in your application form) in order that joint applicants or any guarantor can obtain independent legal advice regarding your application.

You have the right on payment of a fee to receive a copy of the information we hold about you if you apply in writing to the Investment Services Department, Leeds Building Society, 105 Albion Street, Leeds, LS1 5AS. For further information please click here

We may monitor and/or record your telephone conversations with the Society to ensure consistent service levels (including colleague training).

Leeds Building Society Group Marketing Programme

We may use and share your customer records, including your contact details, details about your application and any of the services we provide to you, with:

  • companies within Leeds Building Society Group; and
  • companies which form part of its strategic partnerships.

You can ask us for a list of such companies.

This is so that we or they may contact you by mail, telephone, fax or email with Society news, and to inform you about our or their financial services including mortgages, savings, life products, loans and credit cards, general insurance and financial planning services and of competitions and offers which may be of interest to you. By submitting your application you agree to being contacted as described unless you have ticked the box in the consent section of your application form.

Household Insurance Uses

This paragraph applies in relation to any household insurance which you may apply for as part of your application. Information, including information about criminal convictions and/or any other information provided by you, may be passed to the insurer and used to assess your application for insurance, the terms of the insurance and claims which may arise under any resulting cover. Where you provide information about other persons interested in the property, their information, including criminal convictions, may be used in the same way. You should therefore show this notice to them. By submitting your application you are declaring that you are entitled to disclose their information and you authorise its use as indicated. Insurers and their agents pass information to the Claims and Underwriting Exchange (‘CUE’), operated by Insurance Database Services Limited (‘IDS’), to enable them to check information provided and to prevent fraudulent claims. When you tell us or the insurer about an incident (such as fire, water damage or theft) they will pass this information to the CUE even if a claim is not made, and make it available to other insurers. When a search is made about this application, IDS may make available information from other insurers about incidents involving anyone insured under the policy. You can ask the insurers for more information about this.