Lifetime Mortgage Gateway for leaseholders

Leasehold enfranchisement can be a complicated process… let us help

The process can be complicated, lengthy and it incurs cost. That’s why most leaseholders benefit from having a team of professionals (including regulated intermediaries) to guide and advise them through the process.

Talk to your adviser about LMGL

If you direct your adviser to this website, they can find out more about us and our service.

Would you like us to contact your adviser?

Fill out the form and we’ll contact your adviser.

Start here

Need an adviser?

Should you wish to talk to an independent and regulated adviser to discuss your options

Start here

Interested in talking to an adviser

We have identified a financial adviser who is able to provide independent financial advice. The adviser identified is regulated by the Financial Conduct Authority to provide advice on regulated mortgage products.

This is just an adviser we have identified who can advise on this product.

LMGL does not recommend or endorse any particular adviser. You do have not have to use the adviser identified and are free to use an adviser of your own choosing.

Should you choose to contact the adviser you are acknowledging that you have read and understand this disclaimer.

To find an FCA approved adviser, the FCA's Financial Services Register can help (please select the mortgage option). register.fca.org.uk

David Foot, Continuum Wealth

Continuum Wealth is an independently-owned business that helps people look after their money, offering a range of services including financial planning and wealth management.


Fill out the form and we’ll contact your adviser

Simply complete this form and we'll contact your adviser on your behalf, to let them know about LMG.

A detailed breakdown of any fees, charges or commission that LMGL will receive will be provided before any commitment to the LMG product is made.

  • No commitment
  • Contact with adviser on your behalf
  • Details are confidential

1. Your adviser’s details

2. Your personal details & lease information

3. The property

This website is owned and operated by LMG Logistics Limited. Company House registration number: 13002783, with registered office at 166 Old Brompton Road, London, England, SW5 0BA. VAT reg no 3867484923

The following terms and conditions govern your use of the website and by continuing to use the website you will be deemed to have accepted all these terms. LMG recommends that you review these website terms from time to time as they may be amended. Details on the Cookies which are used on the site are provided in the Cookie Policy and information on the management of personal data are set out in the Privacy Policy.

Advice: Nothing contained on the website or information provided on the pages or applications is deemed to constitute financial or other professional advice.  Before proceeding with any application you should be familiar with relevant policy documents and customer terms and conditions. For further details, please see our Regulatory Information section.

Bespoke Evaluation: Where evaluation calculator displays projected values this is based on the information which is input into the computational models, whether supplied by the leaseholder or by an agent on their behalf. The values calculated as part of the bespoke evaluation service by LMG are indicative only, based on available information at the date the assessment is made, and should not be relied on and are not a guaranteed position. The bespoke evaluation is provided "as is" without any warranty or assurance as to accuracy, and LMG excludes all liability for any reliance placed on the valuations, and is subject to LMGs customer terms where applicable.

Content Disclaimer: LMG has taken reasonable steps to ensure that information contained within the website is accurate, current and complies with all applicable legislation and regulation. However, LMG does not warrant that the information is accurate or complete, and the website and its content is provided on an "as is" basis.  LMG may at any time without notice amend, remove or vary any of the website content.

The LMG names and logos together with the evaluation app and all other content on the website, including the look and feel and layout of the website, are owned by or licenced to LMG.  Where third party logos or material are used it is with their consent, and subject to those third parties terms of use.  You are not permitted to copy, print or replicate any content from the website except to a limited extent necessary for your own personal purposes.

Reproducing the pages, application or any content generated through the use of the website is strictly prohibited without prior written consent from LMG, unless it is used solely for your private and non-commercial purpose.  You acknowledge that it is expressly forbidden without written consent from LMG to use the website applications to generate bespoke evaluation for any commercial purpose, or use the tool to extract or copy information of a confidential or proprietary nature.

Third Party Content Disclaimer: The website uses material provided by third parties (including the partners with whom LMG operate). LMG is not responsible for content provided by third parties, which is only available to provide general information, and does not constitute any recommendation, solicitation or inducement to enter into any transaction.  LMG is not responsible for the accurate, availability or completeness of such third-party content, or for any activity where you link to, or connect into a third party website. For further details, please see our Regulatory Information section.

Limit of LMG Liability: To the extent that you contribute content to the website you accept that you are solely responsible for such material, and any results that you obtain from that information or content, and all liability is excluded to the fullest extent permitted by the law.

LMG does not guarantee that the website or any of its content or applications will be available at any time, or will operate without interruption.  LMG does not accept liability arising from disruption to the performance or functionality of the website or its applications, nor from any errors or omissions on content on the website. In particular, LMG will not accept liability for any direct or indirect, special or consequential losses or damages arising from reliance on any information or content on the website.  Each of LMG's partners are professionals delivering services in their own rights, and LMG is not responsible or liable for their performance or service.

Law and Jurisdiction: If you are a consumer, these terms are governed by English law, and the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, the terms of this policy, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. You and LMG accept to the exclusive jurisdiction of the courts of England and Wales.

These terms apply from the date shown below, and may be varied from time to time.  You are responsible for checking the content of these terms before accepting them.

10 January 2022

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Regulatory Information

LMGL Ltd is not regulated by the Financial Conduct Authority (FCA).

Vantage Finance Ltd has provided approval to enable LMGL to communicate any parts of the website that constitute a financial promotion.

Nothing in the website should be taken as constituting the giving of any form of recommendation, legal or other advice in relation to any financial products (being any interim funding or a life-time mortgage).

Individuals will only have access to financial products where they have received advice from an FCA authorised person that the financial product is suitable for them.

Third Parties Regulatory Information

Vantage Finance Ltd is authorised and regulated by the Financial Conduct Authority (Firm reference number: 446234).

Key Retirement Solutions Limited is authorised and regulated by the Financial Conduct Authority (Firm reference number: 224987) .

Egerton Ltd is regulated by Royal Institution of Chartered Surveyors.

Ince Gordon Dadds LLP trading as Ince is authorised and regulated by the Solicitors Regulatory Authority with identification number 596729.

10 January 2022

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Privacy Information Notice – for LMG Logistics' Lifetime Mortgage Gateway site

In providing the information services on the LMG website and the ancillary services, LMG Logistics Limited ("we" "us" or "our") is a data controller, either acting alone on in conjunction with its partners in the LMG solution.  Our Company House registration number is: 13002783, and our offices are at 166 Old Brompton Road, London, England, SW5 0BA.

This policy sets out the basis on which we will collect and use personal data, whether the personal data is collected directly by us, or is shared with us by our third-party partners. Questions concerning the policy, or our use of personal data can be sent to info@lmglogistics.co.uk.

1 How information is collected:

Casual visitors to our website are not asked to provide any specific personal data, although we do collect anonymised or partly anonymised information to monitor performance, usage and the operation of the website.  This information includes:

a) technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information (where you are registered user) browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; and
b) information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site; items viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information, and methods used to browse away from the page.

This is often done through the use of cookies and is explained in our Cookie Notice.

The bespoke evaluation requires a minimum data set to be able to perform the calculation, and we will required certain information in order to enter into a contract with you.  The information that is required to perform the lease extension calculation is date of birth and gender of the current leaseholder, remaining duration of the lease; current leaseholder's period of occupation; current value of debt outstanding on the lease, the address and other details of the property. Users will either input the information themselves, or will instruct a third party to do so on their behalf.

Customer information where individuals enter into a contractual relationship with us to provide services, and sign up to our customer agreement, we will collect contact information (including address, email and telephone numbers), details of the property (including information necessary to complete a bespoke evaluation) and financial information to take a payment where an individual contracts with us to provide the service.  Where there are joint owners, it is the responsibility of the individual providing information to obtain permission from other owners to provide personal information to us.

Enquiries from professionals seeking an evaluation on behalf of a client will be asked to complete their full name and company that they work for, and an email address to contact them about the enquiry of the valuation. By submitting information on their leaseholder client, the professional enquirer confirms that they have appropriate consent for LMG to use the information

Business Partners - we collect and process contact information for individuals working for our business partners as part of the overall solution that is offered to customers.

We do not collect special categories of personal data, however, we acknowledge that certain users of our information may fall within protected or vulnerable groups. If the way that the information is being used is not clear, please contact us for more information: info@lmglogistics.co.uk.

The categories of personal information used

Information about leaseholders is collected and processed to manage a customer contract between us, and provide our service to the leaseholder/s. Certain information may also be shared with our partners to enable the enfranchisement process.

We will have contact information for our business partners including names, email and work addresses, and telephone numbers for dealing with enquiries and to follow up specific contractual provisions. This is set out in more detail in our contracts with our partners.

We will hold information that is input into the evaluation calculator to store an indicative valuation assessment which can be used to support recommendations for the LMG solution offered.

Information which is collected via cookies which are placed on your computer when using the site use partly- anonymized data by reference to your IP address. We do not use this information to identify an individual.

3          LMG's use of personal data

Our primary use of personal data is to support the end-to-end solution to facilitate access to a lifetime mortgage for qualifying leaseholder as part of the professional team of advisors, and in particular to provide the bespoke evaluation to support the contract for service with a customer. This may be as part of a service that we have agreed under a contract with the leaseholder, or under a contract an individual has with one of our partners or for their own personal use. Information is collected and shared between partners to enable more efficient management of a lease extension process from start to finish.

Where an individual voluntarily submits information into the extension calculator, this is done with their consent. Where a professional submits information, they confirm that they have permission from their client to share information with us.

We are processing personal data to provide our services, manage customer contracts, comply with our legal and regulatory obligations, and for our legitimate business interests in managing and developing our service, including monitoring the status of applications that have been made following use of our calculation app or a referral to a partner to progress an extension to determine whether we are entitled to fees from our business partners.

We use the aggregated statistical information for our legitimate business purposes to operate the website and keep the site and calculator accurate and up to date including monitoring and improving our services.  This information is also used to ensure that content is presented effectively, troubleshoot or test the services and to keep the website and services secure.

The calculation is provided free of charge, but our service to enable the enfranchisement is covered by the fees we charge our clients. We also charge commission payments from partners where a successful application is made. Details of these payments are set out in our customer contracts or on request.

4         

LMG will shall personal information, including details of the bespoke evaluation with our professional partners who are undertaking work on behalf of a leaseholder in connection with an extension application. This is a two-way relationship, and our partners will share all details relevant to the processing of an application for enfranchisement or application for lending including details progress of the application – but we will not be provided with personal financial fact finds.

We may disclose personal data to third parties: (i) to comply with any legal or regulatory requirements on us or on partners connected with the LMG solution; (ii) to enforce our terms and conditions or protect the rights or property of LMG; (iii) in the event that we sell or buy assets in which case personal data may be disclosed or transferred in connection with that specific arrangement.

5          Data Storage and Security

We have put in place appropriate security measures designed to prevent your personal data from being accidentally lost, use or accessed without authority, and to prevent data from being altered or disclosed inappropriately.

Information which is shared between LMG and relevant partners who are supporting an individual application for a lease extension or related finance is governed by specific contractual, technical and organisational measures in accordance with the law.

Personal data that is held by LMG is stored in the UK. Data which is processed by our business partners may be stored on other locations around the world.

6          Data Retention

We will continue to hold personal data for so long as is necessary to fulfil the purpose for which it was collected. By law, and to comply with regulatory requirements, certain information will need to be retained for at least 6 years following completion of the transaction. Where you only request an evaluation and do not engage with any LMG partners, your evaluation will be held for 2 years.

7          Individual's Legal Rights

Under certain circumstances, individuals have rights as a data subject.

Request access to your personal data.
Request correction of your personal data.
Request erasure of your personal data.
Object to processing of your personal data.
Request restriction of processing your personal data.
Request transfer of your personal data.
Right to withdraw consent.

If you wish to exercise any of the rights set out above, please contact us at: info@lmglogistics.co.uk.

You have the right to ask us not to process your personal data for marketing purposes at any time by contacting us: info@lmglogistics.co.uk.

Some of these rights are qualified and may not apply to your circumstances. You will not usually have to pay a fee to access your personal data (or to exercise any of the other rights), however, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

8          General Terms

Personal data which is managed by our business partners will be governed by their own privacy notices.

Your information rights are protected by the Information Commissioner, and more information can be found at www.ico.org.uk.

We may make changes to our privacy policy from time to time which will be posted on this page. Please review it when you visit the website to stay up to date. This privacy information notice applies from 10 January 2022.


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Cookies
About this cookie policy
Lmglogistics.co.uk uses cookies to distinguish you from other users of our website. This helps LMG to provide you with a good experience when you browse the website and also allows LMG to monitor and improve the website. It should be read alongside our privacy notice

You can at any time change or withdraw your consent from the Cookie Declaration on our website.

Manage your consent.

Your consent applies to the following domains: lmglogistics.co.uk


What are cookies?
A cookie is a small file of letters and numbers that is stored on your browser or the hard drive of your computer, where you agree. Cookies contain information that is transferred to your computer’s hard drive.

How do we use cookies?
As most of the online services, our website uses first-party and third-party cookies for several purposes. First-party cookies are mostly necessary for the website to function the right way, and they do not collect any of your personally identifiable data.

What types of cookies do we use?
Essential: These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.

Statistics: These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

Functional: These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).

Targeting cookies: These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the links displayed on it more relevant to your interests. [We may also share this information with third parties including our LMG partners for this purpose.]

How can I control the cookie preferences?
Should you decide to change your preferences later through your browsing session, you can click on the “Privacy & Cookie Policy” tab on your screen. This will display the consent notice again enabling you to change your preferences or withdraw your consent entirely.

In addition to this, different browsers provide different methods to block and delete cookies used by websites. You can change the settings of your browser to block/delete the cookies. To find out more about how to manage and delete cookies, visit wikipedia.org, www.allaboutcookies.org.

You can choose whether to accept all or no cookies when you first visit the website. Cookies can be deleted or disabled using your browser settings. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website.

This Cookies Policy applies from 10 January 2022