Privacy Policy

Our Privacy Policy is owned and operated by XOC Marketing Ltd, who are registered as a Data Controller under the Data Protection Act 1998 (Registration Number: Z3565649).

This Privacy Policy sets out how we, XOC Marketing Ltd (“XOC Marketing Ltd,, Bristol Mortgage Broker, this site, we, us, our”), will use your personal data.

The information we hold about you can be held electronically or manually on paper file.
The information you provide may be disclosed to selected, relevant third parties. For instance, financial product providers and fraud prevention agencies for the purposes of processing your mortgage, or other financial application.

We (or any relevant 3rd parties to whom we have passed your information) may use the data we hold on file about you to contact you by e- mail, telephone, fax or post to bring to your attention additional products or services, which may be of benefit to you.

We and 3rd party vendors may track the pages visited on this website using 1st-party cookies and/or website tracking software (such as google analytics). We also use other first-party identifiers, and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together. These methods are used to help us understand our visitors better aswell as bring you more relevant information.

You can opt out of Google analytics data tracking here.

Your information may be transferred by XOC Marketing Ltd (the owner and operator of outside of the European Economic Area for the purposes of website hosting (eg if our web server is hosted outside the European Economic Area) and data backup.

Any information you pass to Steve Mears Independent Mortgage Services via the telephone service, Quick quote mortgage search, Request A Call Back forms or email may be shared with XOC Marketing Ltd and for reporting purposes.

The Internet is not a 100% secure medium of communication and, accordingly, we cannot guarantee the security of any information transmitted via the Internet. We are not responsible for any damages you, or others, may suffer as a result of the loss of confidentiality of such information.

Your data is held in accordance with the Data Protection Act 1998.

Acceptance of Terms

By law we must have your consent before we use (or pass on to Steve Mears Independent Mortgage Services or relevant 3rd parties such as credit agencies) any personal information you give us. By visiting and using the services of this site, or by entering information into this site, you agree that:

  1. By using this website, you are agreeing to the collection and use of any personal information sent to XOC Marketing Ltd, provided it is used as set out in the Privacy Policy above.
  2. If we decide to change the Privacy Policy, we will list those changes on this privacy page so that you are always aware of the information we collect, how we use it and under what circumstances it is disclosed.

You may obtain a copy of the information that we hold about you free of charge, by emailing us at:  You have the right to withdraw your consent to the above at any time by emailing

Your home may be repossessed if you do not keep up repayments on your mortgage.

Our fee for mortgage advice is between 0% and 2% of the loan amount payable on completion.  Typically this will be £495.