Legal
Privacy notice
Last updated 22 August 2026
1. Who we are
Mortgage Capacity Opinion is a trading name of Jonathon Mark Turner, trading as a sole trader. Our address for service and place of business is 30 Great Underbank, Stockport, SK1 1NB, United Kingdom. You can contact us about anything in this notice at jon@mortgagecapacityopinion.co.uk.
2. What this website collects
The enquiry form. If you contact us through the form on this site we receive your name, your firm and role if you give them, your email address, your telephone number if you choose to provide it, your own file reference if you give one, the type of report you are asking about, any date you need the report by, and whatever you write in the message box. We also record the page you submitted from and any campaign parameters in the web address, so we know how people find us.
Email. If you email us directly we receive whatever you send.
Nothing else. This website sets no cookies, uses no local storage, and loads no resource from any third party — no analytics, no advertising, no social widgets, no external fonts. See our cookie policy.
Please do not send financial evidence through this website. The form is deliberately limited to contact and instruction details. Payslips, bank statements, credit information and similar documents are requested separately, once an instruction is confirmed, using a secure method agreed with you. Anything sent to us unsolicited may be deleted unread.
3. Why we use it, and our lawful basis
| Purpose | Lawful basis |
|---|---|
| Replying to your enquiry and giving you a quotation | Legitimate interests — responding to a request you have made to us; and steps taken at your request before entering a contract |
| Preparing and delivering a report, if you instruct us | Performance of a contract, and legitimate interests |
| Keeping accounting and tax records | Legal obligation |
| Establishing, exercising or defending legal claims | Legitimate interests |
We do not use enquiry details for marketing unrelated to what you asked about, and we do not add you to a mailing list because you contacted us.
4. If you instruct us
To prepare a report we need information about the party the report concerns: income and employment details, credit commitments, dependants and childcare, maintenance paid or received, the capital available, the intended property, and date of birth and intended retirement age, since both affect the mortgage term available.
We will tell you at the point of instruction exactly what is needed, how to send it securely, and what we will do with it. We do not ask for, and would rather not receive, information about health, ethnicity, religion, sexual orientation, political opinions, trade union membership, biometric or genetic data, or criminal allegations. If such information appears incidentally in documents supplied to us, we do not use it.
5. If you are the other party to the proceedings
A capacity report often concerns a couple’s finances, so we may hold information about you even though you are not the person who instructed us. Where that happens we obtained it from the instructing solicitor or from the party who instructed us, we use it only to prepare the report we were asked to prepare, and we do not use it for marketing or for any other purpose.
You have the same rights as anyone else, set out in section 8. If you would like to know what we hold about you, contact us at jon@mortgagecapacityopinion.co.uk.
6. Who we share it with
- The instructing firm or firms. On a joint instruction, both firms receive the same material at the same time.
- The court and the parties, where a report is filed in proceedings. That is the point of the report; it is not private correspondence.
- Our service providers — email and file storage, and website hosting. They act on our instructions under contract.
- Our professional advisers and insurers, where necessary.
We do not sell personal data, and we do not share it for anyone else’s marketing.
Our email and documents are held in Microsoft 365. Where a provider processes data outside the United Kingdom, we rely on the transfer mechanisms permitted by UK data protection law.
7. How long we keep it
| Record | Retention |
|---|---|
| Enquiries that do not lead to an instruction | 12 months |
| A report, the instructions and the evidence relied on | Six years from delivery, reflecting the period in which a claim arising from the work could be brought |
| Accounting records | Six years from the end of the accounting period |
| Records of people who have asked not to be contacted | Kept indefinitely — it is the only way to honour the request |
8. Your rights
You have the right to be informed; to access a copy of your data; to have inaccurate data corrected; to erasure in certain circumstances; to restrict processing; to data portability where processing is by automated means and based on consent or contract; to object to processing based on legitimate interests; and an absolute right to object to direct marketing.
One limit is worth stating plainly. Where a report has been filed in court proceedings we may be unable to erase or amend it, because it has become a document in litigation and we may need to retain it to defend a claim. We will explain the position if that arises.
We do not carry out automated decision-making producing legal or similarly significant effects. Our reports are prepared by a person.
To exercise a right, email jon@mortgagecapacityopinion.co.uk. We respond within one month.
9. Security
Access to client material is limited to Jonathon Mark Turner. Email is protected in transit, and SPF, DKIM and DMARC are configured on our domain. This website deliberately collects no financial evidence and stores nothing on your device.
10. Complaints
If you are unhappy with how we have handled your personal data, please tell us first — see our complaints procedure. You also have the right to complain to the Information Commissioner’s Office at ico.org.uk.
11. Changes
We will update this notice when what we do changes, and the date at the top will change with it.