Privacy Policy - www.

Independent Commercial & Residential Mortgage Advisers.

    For our 'Terms of Business' please click here >>>

    For our 'Privacy Policy' please click here >>>

    For our 'Cookie Policy' please click here >>>


    This Cookies Policy must be read in conjunction with our Terms of Business and Privacy Policy and sets out how we will transact and engage with you or your client where relevant.

    Mohammed Ashaf trading as Independent Financial Services GB ( referred hereon as ‘Agent’  / ‘Company’ / ‘We’ / ‘Us’ / ‘Our’) is committed to protecting and respecting your personal information and your privacy hereon known as the ‘Consumer’ and ‘You’.

    Our companies cookies policy explains what cookies are, how we use cookies and similar technologies on our website(s) at or any of our other company websites (‘Website’), and what you can do to manage how cookies are used.

    By continuing to browse the Website, you are agreeing to our use of cookies as described in this cookies policy.

    If you have any questions in relation to this cookies policy or if you would like more information on the cookies that we use and their purposes, you can contact us by phone at: 0845 4860786, by post at: 63 Meadway, Rochdale, Lancashire, England UK OL11 3NP or by email at

    When visiting one of our company websites some information may be stored on your computer in the form of a cookie. A cookie is a text file that is either stored in your computer memory temporarily (a session cookie) or placed on your hard drive (a persistent cookie) by a web page server for added functionality or for tracking site usage.

    The primary function of a cookie is to tell the web server that you have returned to a specific page. When you return to our company websites, cookies enable us to retrieve the information you previously provided, so you can easily use the features that you customised. We do not use cookies to gather personal information, or to track your browsing habits away from our website(s). Our goal is to provide you the best user experience, in a safe environment.

    How can I manage my cookies?
    3.1 There are a number of ways for you to manage cookies and other tracking technologies. Through your browser settings, you may accept or reject cookies or set your browser to prompt you before accepting a cookie and you have control on your preferences
    3.2 You have the choice to delete any cookies that have been installed in the cookie folder of your browser. The various browsers provide different procedures to manage your settings eg Internet Explorer, Firefox, Opera, Google Chrome and which you can manage directly from your end.

    3.3 Please be mindful that if you set your browser to disable cookies entirely it may affect the way our Website operates and you may not be able to use certain features of our Website, or lead to malfunction of certain operations at your own risk.

    To avoid cookies, you may configure your web browser to reject cookies. However, by doing so, some functionality of the websites may be lost. The procedure for rejecting cookies will depend on primarily what web browser you are using, and you may need to obtain specific information from the relevant company/organisation.

    Please consult the information provided with your web browser you use, for further details.

    2. Our use of cookies
    2.1 The cookies that may be used on our Website fall into one of the four categories described below may include one or more as part of the website functionality and user experience:

    a) ‘Strictly Necessary’ cookies. These are cookies which are essential for the running of our Website and enable you to access certain features. Without these cookies, we would be unable to provide you with the online services you request. We may use cookies in the following ways for example:

    • To keep you signed in our site
    • To record your answers to surveys and questionnaires on our site while you complete them
    • To record the conversation thread during a live chat with our support team

    b) ‘Functional cookies’. Functional cookies are used to recognise you when you return to our Website and information collected is usually anonymised. 
    c) ‘Targeting cookies’. These cookies may be placed on your device or IT system by our company or by trusted third parties. The cookies remember that you have visited our Website(s) and use that information to provide you with advertising which is tailored to your interests. This is often called ‘online behavioural advertising’ (OBA) and involves the monitoring of interests based upon web browsing history and cannot identify you on a personal basis offering anonymity.
    d) ‘Analytical cookies’. Analytical cookies are used in general to monitor the performance of our company Website. For example, they allow us to recognise and manager how our customers navigate our company website to analyse patterns of behaviour and statistical data collated that is anonymously harvested.
    2.2 When you browse our Website some cookies may be set by third parties, over which we have no control. When you visit a page with embedded third party content (for example, from Linked-in, YouTube or Facebook), the service provider may set their own cookies on your device. You may also encounter third party cookies resulting from our use of third party services (for example, Google Analytics), which help us monitor and manage traffic on our Website and assist to improve our operational systems
    Google Analytics:
    As part of Google analytics cookies are used to collect information about how visitors use our company website(s). We use the information to collate reports and to help us improve the functionality of our website. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come from to use the site and the pages they visited. This information is used to improve our website and ensure the visitors are able to find what they need as quickly and efficiently as possible and enhance user experience.

    Objection to our Use of Cookies:
    If you object in our use of Cookies unfortunately we are unable to let you use our site until you agree with the cookies we store, please leave our website immediately as our services and company operations cannot be managed adequately to allow you to have a user experience that we would like you to enjoy and participate.

    Please be aware that if you set your browser to disable cookies entirely it may affect the way our Website(s) operate and you may not be able to use certain features and functionality of our Website, and this may cause malfunction of certain systems which we may have little or no control, therefore the choice is entirely your own and inherent risks involved. Our goal is to assist and make your user experience safe, efficient, and trouble free as possible.

    As technology is in continuous change we also welcome feed-back and comments if we can make your interaction smoother and easier, and our cookie policy is subject to change and therefore welcome to visit regularly to keep yourself updated.

    Find out more about cookies:
    You can find more information about cookies at For information on how to do this for your mobile phone browser, a good place to start would be your handset manual.

    If you have any question regarding our privacy policy, please contact our DPO in writing to company address.


    RISK WARNING: Think Carefully Before Securing Other Debts Against Your Home. Your Home May be Repossessed If You Do Not Keep Up Repayments on Your Mortgage Or any Other Debt Secured On It.


    Independent Financial Services (GB) is authorised and regulated by the Financial Conduct Authority (FCA)

    © 2018 Independent Financial Services GB. All rights reserved - Web Design

We have a wealth of industry experience in property finance and insurance. As experts we can offer you a diversified range of specialist residential mortgage and remortgage solutions. We are easy to talk with, and provide an attentive and personal service right from the start to end of the mortgage process. You deal directly with us in-house.


Regardless of your personal circumstances even if you have encountered difficulties in the past, please reach out to us and let us help you.

We appreciate that everyone will have different needs and financial circumstances, this is where we can help you to realise a competitive mortgage or refinance solution. There are no charges for the initial consultation, so why not contact us to discuss your requirements in utmost confidence...

RISK WARNING: Changes in the exchange rate may increase the sterling equivalent of your debt.

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Offshore Expat & Foreign National Mortgages 

As a British expat living and working outside of the UK, or a foreign national you may have struggled to obtain a mortgage or at the right terms and costs. We have built close working relationships with niche and specialist lenders offering finance solutions in challenging circumstances. Let us help you to realise what is possible and overcome any hurdles you may have faced.

Get in touch

Getting in touch is easy. Give us a call or request a call back.
The initial consultation is free, we'd love to understand if we can be of service.

0845 4860786